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California Bank & Trust is looking for a **Commercial Banking Relationship Manager** to come and join our team.

The Commercial Banking Relationship Manager is responsible for originating, structuring, and servicing a diverse portfolio of commercial loans while building strong, low-risk client relationships. This role combines advanced credit expertise with proactive business development to deliver tailored financial solutions and exceptional customer service.

Key Responsibilities

+ **Business Development**

+ Generate new commercial banking relationships through prospecting, referrals, and networking.

+ Develop and execute strategies to expand the bank’s presence in the market and achieve growth targets.

+ Cross-sell treasury, deposit, and other bank products to deepen client relationships.

+ **Credit & Loan Structuring**

+ Lead the entire loan process from initial client engagement through underwriting, approval, and closing.

+ Perform detailed credit analysis, including financial statement review, cash flow modeling, and collateral evaluation.

+ Structure and negotiate complex commercial loans (C&I, CRE, asset-based lending) to meet client needs while mitigating risk.

+ Monitor credit performance and covenant compliance; proactively address exceptions.

+ **Relationship Management**

+ Act as the principal account manager for new and existing clients.

+ Conduct regular portfolio reviews and make recommendations to optimize client profitability.

+ Deliver high-quality customer service and maintain a high degree of client satisfaction.

+ **Compliance & Risk**

+ Ensure adherence to credit policy, regulatory requirements, and risk management standards.

+ Prepare and present credit packages for approval committees.

Qualifications

+ Bachelor’s degree in Finance, Accounting, or related field (MBA or formal credit training preferred).

+ 6+ years of experience in commercial lending, credit analysis, underwriting, and relationship management.

+ Expert knowledge of commercial loan products, credit structuring, and risk assessment.

+ Proven ability to generate new business and expand existing relationships.

+ Strong interpersonal, negotiation, and communication skills.

+ Proficiency in financial analysis and common software applications (Word, Excel, CRM systems).

+ Ability to manage a small to medium commercial portfolio effectively.

Benefits:

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

+ Life and Disability Insurance, Paid Parental 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, and any applicable state 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 enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire

+ Employee Ambassador preferred banking products

+ Salary range of $152-$225K depending on location and experience

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.

**Req ID:** 069297

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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