Private Banking Associate

Zions Bancorporation•San Diego, CA

About The Position

Responsible for managing and servicing a portfolio and/or generating and servicing a wide variety of private banking services, loans and developing strong, low risk relationships while maintaining quality customer service. Functions as an account and relationship manager for new and existing clients. May develop, generate and follow-up on new client leads through existing clients and referrals from other bank departments. May monitor portfolio for past dues, documentation and collateral exceptions, financial performance updates, problem loans, loan concentrations and portfolio profitability, etc. Calls on existing relationships to review portfolios and makes recommendations as needed. Responsible for sales, credit analysis, proper loan structuring, client interviewing and perceptive character judgment. Responsible for monitoring credit performance. Responsible for building and maintaining relationships, with a resulting high degree of customer satisfaction. May manages a small portfolio. Cross sell other bank products. Other duties as assigned. Requires a bachelor%27s degree in banking, finance or a related field and 2+ year of banking services, credit analysis, portfolio management, credit associated lending processes and procedures or other directly related experience. An equivalent combination of education and experience may meet qualifications. Knowledge of banking services, lending, credit analysis, portfolio management preferable in a small business loan environment. Ability to expand loans, client relationships, manage portfolios and cross sell bank products. Ability to interview applicants and be perceptive of character judgment. Ability to structure loans and monitor credit performance. Must have good interpersonal and communication skills. Knowledge of banking products and procedures, small business credit structuring. Strong sales, client product and relationship management skills. Working knowledge of a software applications, including word processing and spreadsheets.

Requirements

Bachelor's degree in banking, finance or a related field
2+ year of banking services, credit analysis, portfolio management, credit associated lending processes and procedures or other directly related experience
An equivalent combination of education and experience may meet qualifications
Knowledge of banking services, lending, credit analysis, portfolio management preferable in a small business loan environment
Ability to expand loans, client relationships, manage portfolios and cross sell bank products
Ability to interview applicants and be perceptive of character judgment
Ability to structure loans and monitor credit performance
Must have good interpersonal and communication skills
Knowledge of banking products and procedures, small business credit structuring
Strong sales, client product and relationship management skills
Working knowledge of a software applications, including word processing and spreadsheets

Responsibilities

Managing and servicing a portfolio
Generating and servicing a wide variety of private banking services and loans
Developing strong, low risk relationships
Maintaining quality customer service
Functioning as an account and relationship manager for new and existing clients
Developing, generating and following-up on new client leads
Monitoring portfolio for past dues, documentation and collateral exceptions, financial performance updates, problem loans, loan concentrations and portfolio profitability
Calling on existing relationships to review portfolios and make recommendations
Sales
Credit analysis
Proper loan structuring
Client interviewing
Perceptive character judgment
Monitoring credit performance
Building and maintaining relationships
Managing a small portfolio
Cross selling other bank products
Other duties as assigned