Loan Portfolio Manager

About Us

West Coast Community Bank is a top-rated community bank focused on serving the banking needs of businesses and individuals along the Central Coast, in Silicon Valley, and throughout the Bay Area. We differentiate ourselves through relationship-based service with a solutions-driven focus, offering direct access to decision-makers combined with modern banking technologies and digital tools. The Bank is a leading SBA lender in Santa Cruz County and Silicon Valley and a top USDA lender in California. Since opening in 2004, we have supported regional well-being by actively participating in and donating to local nonprofit organizations, contributing over 2,000 hours of volunteering annually.

About the Role

This position is on-site at any of our Santa Cruz County or Salinas locations. Travel to client offices and other sites is required.

The Loan Portfolio Manager is responsible for managing the existing loan portfolio and client relationships, as well as originating and servicing all types of business and individual loans and lines of credit—both secured and unsecured. This role develops new business and strengthens existing relationships through proactive outreach to potential and current clients. The Loan Portfolio Manager accepts referrals from internal and external sources and works to bring over the client’s full banking relationship. The position monitors the status of loans within the portfolio, provides guidance to subordinate officers, and offers financial counsel to current and prospective clients. The LPM handles complex accounts and makes independent credit decisions.

Responsibilities

• Maintain and develop existing loan portfolio and client relationships to create referral sources and contacts to generate new business.
• Consult with Chief Lending Officer and Chief Credit Officer when credit proposals are developed and presented to clients.
• Provide information and make detailed presentations to prospects specifying product availability, applying creative solutions to client problems/issues.
• Gather historical and financial data and develop, or assist in developing, program agreements.
• Consult with and provide guidance to Chief Lending Officer during the due diligence process, as information is gathered on a client’s financial status and lending needs.
• Identify specific business needs of clients and determine loan limits by analyzing financial data.
• Participate in sales events or industry-specific seminars as required.
• Ensure that all loans within the assigned portfolio are performing as expected and address any issues in a timely manner.
• Perform additional duties as assigned that are consistent with the business needs of the Bank and the scope, responsibilities, and level of the role.

Requirements

• BA in Business Administration.
• Solid sales experience in a banking environment, generally gained through a minimum of 7 years of previous experience.
• Proven success in generating new business.
• Thorough understanding of the local market and a solid base of contacts.
• May require a thorough knowledge of specialty business depending on assignment.
• Strong underwriting skills.
• Ability to analyze borrower financials.
• Assess credit risk and evaluate collateral.

Benefits

• Medical, dental, and vision plans.
• Vacation, sick leave, and paid holidays.
• Paid volunteer time.
• Employer-paid life insurance.
• 401(k) with employer matching.
• Ongoing training, professional development, and career advancement opportunities.

Pay

$75,000-$125,000

Physical Demands

The physical demands described here are representative of those that must be met by a teammate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Regularly required to stand, sit, talk, hear, reach, stoop, kneel, and use hands and fingers to operate typical office equipment such as a computer, telephone, mouse, and keyboard.
• Specific vision abilities required include close vision for computer work.
• Light to moderate lifting may be required.
• Regular, predictable attendance is required, including occasional evening and weekend work as business demands dictate.
• Travel between company locations as needed.

Work Environment

The work environment characteristics described here are representative of those a teammate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (e.g., business office with computers, phones, and printers, moderate traffic).
• Ability to work in a confined area.
• Ability to sit or stand at a computer terminal for an extended period.