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Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of _San Diego Union-Tribune_ and _Orange County Register_ . Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

We are looking for a **Senior Commercial Lender** in **Irvine, San Diego, San Francisco or Los Angeles CA.**

Senior Commercial Banker (ESOP)

We are seeking a production-driven and knowledgeable middle-market ESOP Lending Officer to join our growing Commercial Banking team. This role is ideal for a seasoned banker with experience leading ESOP or leveraged lending financing transactions, who is ready to take ownership of client relationships, structure complex transactions, and contribute to the strategic growth of our ESOP lending platform.

Job Responsibilities:

+ Originate and structure ESOP transactions for middle-market and corporate clients, including partial or complete ESOP conversions, recapitalizations, and growth financing.

+ Manage client relationships from initial engagement through closing and ongoing portfolio management.

+ Conduct financial analysis and underwriting in partnership with credit and risk teams.

+ Collaborate with external advisors including ESOP consultants, trustees, and valuation firms to ensure smooth execution.

+ Support strategic initiatives to grow the ESOP lending portfolio and enhance market visibility.

+ Maintain a strong network within the ESOP advisory ecosystem and middle-market business community.

+ Originate and structure ESOP transactions for middle-market and corporate clients, including buyouts, recapitalizations, and growth financing.

+ Manage client relationships from initial engagement through closing and ongoing portfolio management.

+ Conduct financial analysis and underwriting in partnership with credit and risk teams.

+ Collaborate with external advisors including ESOP consultants, trustees, and valuation firms to ensure smooth execution.

+ Support strategic initiatives to grow the ESOP lending portfolio and enhance market visibility.

+ Strong network within the ESOP advisory ecosystem and middle-market business community.

+ Mentor junior team members and contribute to a collaborative, high-performance culture.

Qualifications:

+ Requires a Bachelor's and 10+ years' experience with commercial lending, credit, underwriting. 5+ years must be progressive commercial lending experience within banking or financial services with at least 1+ years working with ESOP.A combination of education and experience may meet the requirements.

+ Subject matter expert knowledge of commercial loans, credit analysis, lending, loan processing and closing processes.

+ Ability to expand commercial loans, client relationships and cross-sell bank products.

+ Requires exceptional sales ability.

+ Expert experience in applicant interviewing and perceptive character judgment skills.

+ Ability to structure loans and monitor credit performance.

+ Must have exceptional interpersonal and communication skills.

+ Working knowledge of software applications, including word processing and spreadsheets.

+ Manages the most high-risk, complex, and large commercial portfolios.

+ Applies advanced principles, theories, and concepts.

+ Contributes to the development of innovative principles and ideas.

Benefits:

+ Medical, Dental and Vision Insurance – START DAY ONE!

+ Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance

+ Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts

+ Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays

+ 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

+ Mental health benefits, including coaching and therapy sessions

+ Tuition Reimbursement for qualifying employees

+ Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $184,000 - $225,000 annually depending on job-related factors such as level of experience.

**Req ID:** 068658

Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.

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