Loan Portfolio Manager

: Description:

About the Role:

The Loan Portfolio Manager is responsible for managing an existing loan portfolio and client relationships; originating and servicing all types of business and individual loans and lines of credit, both secured and unsecured. Through calling on potential or existing clients, will develop new business and increase or retain existing business relationships. Accepts new client referrals from internal and external sources and works to bring over their full banking relationship. Keeps informed as to the status of loans in their portfolio. Provides subordinate officers with guidance; provides financial counsel to current and prospective clients. Handles the more complex accounts and makes credit decisions independently. Travel will be required to client offices and other sites.

Who We Are & What We Do:

If you're looking for an exciting career opportunity, you're in the right place. Santa Cruz County Bank is a top-rated community bank with a focus on serving the banking needs of businesses and individuals along the Central Coast, in Silicon Valley and throughout the Bay Area. We engage in impactful volunteering and support the greater economic vitality within our tri-county reach. Our success is due to our amazing team of exceptional, experienced, knowledgeable, and success-oriented employees.

We've been recognized with numerous community leadership awards and our team gives 2000+ hours of volunteer service each year. A few honors we've received locally, include:

• Good Times Best of Santa Cruz, Best Bank - 11 consecutive years
• Santa Cruz Sentinel Reader's Choice, #1 Best Bank - 8 years
• Santa Cruz County Chamber of Commerce - Business of the Year 2018 and 2021
• Press Banner's Best of Scotts Valley, Best Bank
• Register Pajaronian's Best of Pajaro Valley, Best Bank
• Second Harvest Food Bank, Big Step and Platinum Awards for Holiday Food and Fund Drive
• Farm Bureau of Santa Cruz County and Agri-Culture, Al Smith Friend of Agriculture Award

Duties of the position are performed in person and include:

• 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 client.
• 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.
• May consult with and provide guidance to Chief Lending Officer during due diligence process, as information is gathered on client's financial status, lending needs, etc.
• Identify specific business needs of client and determine loan limits by analyzing financial data.
• Participate in sales events, or industry specific seminars as required.
• Ensure that all loans within assigned portfolio are performing as expected and any issues are addressed in a timely manner.

Requirements:

Preferred Prior Experience:

• Solid sales experience in a banking environment, generally gained through a minimum of 7 years previous experience.
• Proven success in generating new business.
• Thorough understanding of local market and solid base of contacts required.
• May require a thorough knowledge of specialty business depending on assignment.

Preferred Education:

• BA Business Administration

Requisite Skills:

• Good computer skills.
• Excellent written and verbal communication skills.
• Thorough knowledge of Bank products and software
• Strong understanding of financial statements.
• Ability to analyze complex financial results.
• Strong interpersonal skills ability to build and maintain client relationships.

Physical Demands:

Work is performed in a bank office environment and requires the ability to operate standard office equipment and keyboards. Must have the ability to stand, walk and sit; talk or hear, both in person and by telephone; use hands to finger, handle or feel objects or controls; reach with hands and arms. Regularly required to stoop, kneel, bend, crouch or lift up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception, color vision and the ability to adjust focus. Use of personal vehicle for business travel as necessary.

Supervisory Responsibilities:

• None