Credit Advisor - San Diego, CA

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 Credit Advisor in San Diego, CA .

Essential Functions:

• Coaches and advises the bank's credit and lending staff on effective credit analysis procedures and techniques and how an effective credit process helps ensure a successful sales environment.
• Reviews the bank's credit risks and recommends corrective action. Creates problem credit reports for multiple lending locations.
• Develops effective credit procedures to minimize the bank's credit risk. Conducts credit audits to ensure effective credit procedures are being practiced throughout the bank.
• Conducts formal training sessions to share the best credit practices and techniques.
• While the majority of the time is spent training and coaching, may also answer complex or specialized credit inquiries from internal staff throughout the bank, conduct credit investigations, as needed, for unique, highly complex, or specialized market segments and accompany lenders on business calls for high profile customers.
• Performs special projects as assigned.

Qualifications:

• Requires a Bachelors in Finance, Business or a related field and 2 years of credit analysis, credit, lending, banking or other directly related experience. A combination of education and experience may meet job requirements.
• Basic knowledge and application of commercial credit principles, theories, and concepts in applicable discipline, plus extensive working knowledge of other related fields.
• Extensive knowledge of financial and spread analysis and credit/lending procedures for very complex loans.
• Solid problem resolution, analysis and communication skills, both verbal and written.
• Ability to train and coach lending staff.
• Ability to make sound decisions. PC skill required.

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 $61,000 - $89,000 annually depending on job-related factors such as level of experience.

Salary : $61,000 - $89,000