Community Reinvestment Banking Officer - Denver

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.

Community Reinvestment Banking Officer in Denver, CO .

• Assists with the implementation of Community Reinvestment lending and business banking programs.

• Analyzes operational and financial statements and processes of affordable housing, CRA Investment and nonprofit business clients.

• Provides on-going credit risk and management reporting for affordable housing, nonprofit business and CRA investment portfolios.

• Analyzes risks and profitability of assigned client base to ensure ongoing profitability and conformity with credit terms.

• Provides quarterly reports on total portfolio risk.

• May also underwrite construction, term and working capital loans for affordable housing and nonprofit business banking relationships and oversee credits through the construction process and conversion to permanent financing.

• Interfaces with lenders to assist with loan closings and reviews and monitors on-going compliance of loan covenants and all applicable laws and regulatory requirements.

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

• Coordinates work with internal departments and external professional specialists (i.e. legal, appraisal, environmental, etc.).

• May also establish, participate, and maintain relationships with community-based, charitable, and non-profit organizations that support the department's initiatives.

• Remains well versed in industrial, economic and financial situations relating to affordable housing, community reinvestment and nonprofit activities.

• Supports other department functions and programs

• Other duties as assigned.

• Requires a Bachelors degree and 2+ years commercial lending and bank sales, affordable housing, low income housing tax credit and or nonprofit business lending experience. A combination of education and experience may meet job requirements.

• Working knowledge of commercial lending, affordable housing and nonprofit business lending techniques and procedures, credit analysis and financial statements.

• Knowledge of banking products, lending laws and regulatory requirements.

• Solid analyses, problem resolution and organizational skills.

• Must have good customer relations, negotiation and communications skills, both verbal and written.

• Ability to build and maintain relationships with various communities and businesses.

• Must be able to use various word processing and spreadsheet software.

• 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

• Employ…