Loan Manager Jobs (NOW HIRING)

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!

National, regional and local honors we’ve received include:

• Newsweek – America’s Best Regional Banks and Credit Unions 2025
• American Banker Magazine – Top 100 Best Performing Community Banks in the U.S., 10 years
• Good Times – Readers’ Poll, Best Bank in Santa Cruz County, 13 years
• Santa Cruz Sentinel – Readers’ Choice, Best Bank in Santa Cruz County, 10 years
• Farm Bureau of Santa Cruz County and Agri-Culture – Al Smith Friend of Agriculture Award
• Second Harvest Food Bank – Big Step and Platinum Awards for Holiday Food and Fund Drive
• Santa Cruz Area Chamber of Commerce – Business of the Year 2025, 2021 and 2018
• The Pajaronian – Best of the Pajaro Valley 2024 Readers’ Poll, Best Bank
• The Press Banner – The Best of Scotts Valley 2024 Readers’ Poll, Best Local Bank

About the Role

This position is on-site at any of our Santa Cruz County 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.

Essential Job Functions

• 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

Required 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.
• Strong underwriting skills.
• Ability to analyze borrower financials.
• Access credit risk and evaluate collateral.

Required Education

• BA Business Administration

Supervisory Responsibility: None.

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:

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.

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 (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.

*To ensure a consistent hiring process, we do not accept unsolicited resumes from third-party recruiters or agencies. Submissions without prior approval will not be considered.