Relationship Manager

West Coast Community 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 operate full-service branches in Aptos, Capitola, Cupertino, King City, Monterey, Salinas, San Luis Obispo, Santa Cruz, Scotts Valley and Watsonville. Delivery of relationship-based service with a solutions-driven focus sets us apart from the competition. We offer 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 the state of California. Since opening in 2004, we have proudly upheld our commitment to support regional well-being by actively participating in and donating to local nonprofit organizations. We engage in impactful volunteerism and support the greater economic vitality within our four-county reach, contributing more than 2,000 hours of volunteering annually. Our success is driven by our exceptional team — experienced, knowledgeable and focused on delivering results! About The Role This is an on-site position at our any of our Santa Cruz County locations. Travel to client offices and other sites is required. The Relationship Manager builds and maintains strong client relationships by providing personalized financial solutions and trusted guidance. This role partners closely with clients and internal teams to support growth, retention, and exceptional service within our community-focused bank. Gain deep understanding of the clients' business objectives and create strategic recommendations based on this understanding. Develop new business and increase or retain existing business loan and deposit relationships. Serve as the key banking relationship manager for your portfolio of client relationships. Service all types of business and individual loans and lines of credit, both secured and unsecured. Keep informed as to the status of loans in assigned portfolio. Follow up on current loans to ensure compliance with internal procedures and other required terms. In partnership with the Treasury Management department, assemble and lead cross-functional team to quickly respond to client requests and identified needs. Utilize team of experts to creatively present the full breadth of the bank. Maintain active prospecting effort, including identification, qualification and calling. Consistently balance prospecting efforts and quality client maintenance responsibilities. Makes decisions on loans and terms within established lending limits. Analyzes credit to determine the ability of clients and prospective clients to qualify for ensuing borrowing requirements. Studies market industrial, economic and financial situations relating to new or existing business as part of prudent business development and portfolio management disciplines. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Requirements Bachelor’s Degree in business, finance, or related field preferred, or equivalent experience required. Minimum 5-7 years related experience in underwriting business and real estate transactions. Proven track record of success in developing new business, growing market share and establishing/growing a quality network. Thorough understanding of local market and solid base of contacts. Thorough knowledge of Bank products and software. Working knowledge of the Bank’s systems and policies applicable to underwriting and portfolio management. Expert credit acumen (accounting, financial statement, understanding business and understanding of operational cash flow) with the ability to support complex deals. Ability to establish and maintain effective working relationships with employees, supervisors, executives, and other departments. Ability to complete multiple, diverse tasks of differing priorities without close supervision. Ability to perform tasks and achieve results with a high degree of accuracy and precision. Excellent written and verbal communication skills, with specific ability to translate complex financial information into an organized and presentable manner. Excellent administrative and organizational skills. Proficient in Microsoft Office (Excel, Word, and PowerPoint). Benefits Medical, dental, and vision plans Vacation, sick leave, paid Holidays Paid volunteer time Employer paid life insurance 401(k) with employer matching Ongoing training, professional development and career advancement opportunities Physical Demands While performing the duties of this job, the employee may be 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 by this job include close vision requirements due to computer work. Light to moderate lifting may be required. Regular, predictable attendance is required; including the occasional evening and weekend work as business demands dictate. Travel between company locations as needed. Work Environment Moderate noise (i.e., business office with computers, phone, and printers, moderate traffic). Ability to work in a confined area. Ability to sit or stand at a computer terminal for an extended period. #J-18808-Ljbffr