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. 

Business Lending Services Department is currently seeking well qualified professionals for the role of Commercial Underwriter (Credit Advisor). The Business Lending Services Department specialize in lower middle-market commercial loans, commercial real estate loans, and SBA throughout California. The successful candidate will perform the following job duties:

Position Responsibilities:

• Responsible for analyzing and underwriting complex Commercial & Industrial, Investor CRE, and Owner-Occupied CRE. Writes credit narratives and pre-flights/concept memorandums.

• Conducts credit investigations and analyzes credit information pertaining to loans. Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.

• Analyzes financial statements and tax returns, accounts receivable and payable aging, inventory reports, third party appraisal reports, and related material. Analyzes financial conditions and trends , including industry research.

• Determines cash flow using appropriate software and cash flow models. Builds custom cash flow models for complex borrowers or industries.

• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness to relationship managers, senior management, and credit approvers. Makes recommendations for credit and covenant structures.

• Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.

• Reviews existing financial and reporting covenants for compliance as required.

• Accompanies relationship managers on business calls as requested.

• May assist in the training and mentorship of junior credit analysts.

• Assists with special projects as assigned.

  Qualifications

• Requires a Bachelor's in Finance, Accounting, Business Administration or related area of study.

• 8+ years of commercial credit analysis and underwriting experience.

• Knowledge of C&I, Investor CRE, Owner-Occupied CRE, and SBA 504.

• Knowledge of financial and spread analysis, accounting, and credit/lending procedures for complex loans. Experience with Moody’s Risk Analyst and Buker’s Tax Analysis preferred.

• Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques.

• Ability to work with lending officers and staff.

• Strong communication skills, both verbal and written.

• Ability to make sound decisions regarding loans.

• Strong knowledge of Microsoft Excel, Word, Access, and PowerPoint.

• Ability to use electronic workflow and credit systems.

  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 $108,000 - $135,000 annually depending on job-related factors such as level of experience.

Req ID: 064326

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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