Job Details

STATUS: Exempt, full-time
DEPARTMENT: Loan Service Centers - Coast
LOCATION: Coastal Region - Santa Barbara, CA

Job Summary and Scope of Responsibility: Lead and develop a commercial lending team. Establish relationships with and sell banking products to commercial business clients. Responsible for the management of the team's commercial loans and lines of credit portfolio.

Essential Functions: With or without reasonable accommodation must be able to perform all essential job functions as described below.

• Plan, organize, direct and control the employees and day-to-day activities of a commercial lending team. Includes staff selection, development, salary review, and performance management.
• Develop, implement and evaluate sales strategies, goals and objectives that promote new business opportunities, cross-selling of appropriate loan/deposit products, and retention of profitable client relationships.
• Plan and coordinate sales and outreach activities that support the objectives of the Community Reinvestment Act (CRA).
• Monitor the growth, profitability, status and risk grading of the unit's loan portfolio.
• Provide sales and service culture leadership that motivates desired effort, behavior, skill development, and results.
• Manage and resolve escalated client service issues.
• Negotiate, underwrite, recommend and close commercial loans and lines of credit.
• Originate and manage a portfolio of commercial loans and lines of credit. Includes analyzing borrowing base certificates, inspecting collateral, reviewing/approving advance requests, monitoring delinquency and risk grading, and administration of loan covenants.

Minimum Qualifications to Perform Essential Functions
Knowledge, Skills and Abilities:

• Demonstration of strong sales team leadership and management skills.
• Strong sales, negotiation and closing skills.
• Professional relationship management skills.
• Professional communication and presentation skills.
• Effective conflict resolution and problem-solving skills.
• Comprehensive knowledge of credit, credit quality/risk grading and underwriting.
• Comprehensive knowledge of, and ability to interpret, financial and economic factors that impact a business.
• Knowledge of applicable federal/state banking regulations.
• Ability to identify and structure creative approaches to address complex credits.
• Ability to identify and leverage relationships that offer the most potential for profit.
• Ability to qualify for and maintain required licenses and certifications.
• Computer proficiency, including Windows and Microsoft Office Suite products.
• Proficiency at speaking, reading and writing English.
  
  

Experience and/or Education:

• Four-year degree in Business/ Accounting or equivalent training/experience.
• Seven years of progressively responsible experience originating and managing a portfolio of commercial loans and lines of credit.
• Five years of experience managing a commercial lending team at a commercial bank, preferred.

Travel/Physical Demands

• Ability to travel to client and business event locations (driving requires continuous possession of a valid driver's license and the minimum level of auto insurance).

Excellent benefits package for eligible employees and their families. Competitive salary BOE in the range of $165,000 - $243,000 Annually.

Equal Employment Opportunity Employer/Veterans/Disabled.