Commercial Banking Market Manager

Join Montecito Bank & Trust as a Commercial Banking Market Manager!

As the largest locally owned community Bank on the Central Coast, Montecito Bank & Trust is committed to our founding principle: to make the communities we serve better places to live and work. We are always looking for talented professionals who are passionate about personalized service, community involvement, and innovation. By joining our team, we are dedicated to your career development and wellbeing, in and out of the workplace. 

About the Role

Montecito Bank & Trust is seeking a full-time Commercial Banking Market Manager to join the team in our Commercial Lending Group. As a Commercial Banking Market Manager, you will deliver a World Class Experience by providing excellent customer service to all internal and external customers. The Commercial Banking Market Manager’s primary sales and marketing responsibility is tasked with developing, managing and growing a sound, profitable loan portfolio over a sustained period of time with limited supervision in San Luis Obispo County. The Commercial Banking Market Manager will identify and develop key members of their team to accommodate winning a disproportionate amount of the market opportunities in their designated market area while personally managing significant lending accounts. This role must demonstrate an ability to identify opportunities and underwrite proposals from a complex base of, commercial & industrial clients, wealth prospects, and consumers. This position is expected to spend 65-70% of available time in business development activities, community relations in the market area, cultivation of local centers of influence, building a pipeline, qualifying prospects, recommending and approving credit, expanding relationships, and retaining customers. By utilizing strong product and market knowledge gained from related work experience, the incumbent will consult with all sizes and kinds of businesses, non-profit organizations, consumer, and high net worth individuals.   Overall responsibility for credit quality and production growth for the designated market area will reside with the Commercial Banking Market Manager. The Commercial Banking Market Manager must provide a World Class Customer Experience while partnering with the Loan Team, Branch Managers, Wealth Management, the Executive Management Team and Directors of the Bank. You will be located in Santa Maria, CA with the opportunity for a hybrid schedule.

What We’re Looking For

• A bachelors or advanced degree, preferably in business-related field, or equivalent work experience required.
• 10-15 years of experience in commercial and/or business banking required.
• Experience in originating and managing a commercial loan portfolio, which is anticipated to grow over 150 relationships and in excess of $150 million required.
• The ability to be registered as a Mortgage Loan Originator (MLO) with the National Mortgage Licensing System and Registry (NMLSR), under the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE ACT), and maintain the registration as required. These standards include, among other things, passing a criminal background check and a satisfactory credit report obtained from a consumer reporting agency.

Your Responsibilities

The essential functions of this role include, but are not limited to:

• Partner with the Branch Managers to understand the client’s needs and apply the broad range of Montecito Bank & Trust’s financing and product solutions to meet their needs. 
• Take applications, gather the necessary documentation, underwrite the facility, and see the transaction through to closing.
• Provide back up to Commercial Lending team to assist when volumes are too high for one person to process in a timely manner.
• Develop loan business to middle market clients, with familiarity in financing owner-occupied properties and an understanding of trusts/estates.
• Actively call on customers and prospects, develop referral sources and contacts, and innovatively structure proposals with proper covenants.
• Present and discuss proposals to senior management and to loan committee to obtain expressions of interest and formal loan commitments.
• Represent major lines of the company to the customer base and must be fully knowledgeable and conversant about varied financing options, cash management and other products and services in order to advise customers to obtain a full array of the bank’s services.

Your Benefits

• Workplace Culture that Values YOU
• Competitive Pay
• Medical, Dental, Vision, & Life Insurance
• 401K Matching/Retirement Planning
• Paid Vacation Time, Sick Time, Federal Holidays, & Volunteer Time
• Associate Bank Accounts
• Bank Ga