Loan Portfolio Manager

About the Role

This position is on-site at our Watsonville location. 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.

• 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.

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

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

• BA Business Administration

Supervisory Responsibility: None.

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

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.

• 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.

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 (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.