Relationship Manager

Who We Are

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.

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.

Position Overview

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.

Essential Job Functions

• Gain deep understanding of the clients' business objectives and create strategic recommendations based off of 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. Follows-up on current loans to ensure compliance with internal procedures and other required terms.
• In partnership with the Treasury Management department, assembles and leads cross-functional team to quickly respond to client request and identified needs. Utilizes team of experts to creatively present the full breadth of the bank.
• Maintains active prospecting effort, including identification, qualification and calling. Consistently balances 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.
• Performs additional duties as assigned that are consistent with the business needs of the Bank and the scope, responsibilities, and level of the role.