Job description

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 seasoned Real Estate Analyst in San Diego, CA . This role focuses on conducting industry research, credit investigation, and analyses related to residential and commercial real estate loans.

Essential Functions:
Performs cash flow and tax return analysis.

Monitors ongoing compliance with financial covenants and initiates appropriate remedies for non-compliance.

Assists with loan portfolio reporting and preparation of credit presentations according to bank's policy and guidelines.

Conducts industry research, credit investigations and analyses.

Analyzes financial statements and related material to determine financial conditions and trends.

Prepares summaries, presents facts, and offers opinions concerning creditworthiness.

Provides credit information and references for customers, loan officers, or other agencies as requested.

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

Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.

Writes credit memorandums.

May accompany lenders on business calls and conduct industry research.

Qualifications:
Typically requires a bachelor's degree and 1 year of directly related experience.

Limited use and/or application of basic real estate credit and lending principles, theories, and concepts.

Basic knowledge of financial and spread analysis and credit/lending procedures for basic real estate loans.

Proficient in Word and Excel.

Benefits:
Medical & Dental Insurance & Vacation & Profit Sharing - START DAY ONE!

401(k) plan, competitive compensation in line with work experience.

Most roles are eligible for sales bonuses + monthly incentives and/or annual discretionary bonus, some roles include mileage + travel time pay, and/or parking waivers (must meet eligibility requirements.

Paid Training, Paid Vacation, Paid Holidays, and promotional opportunities offered from within.

Tuition Reimbursement for qualifying employees.

Stable Employer, we are a division of Zions Bancorporation and included in the S&P 500 & NASDAQ Financial 100 indices.

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