Kirk Estes Email and Phone Number

First Pacific Bank (FPB) is looking to expand its portfolio in all aspects of lending and financial services. FPB’s niche is being able to allow Customers of all revenue sizes to achieve financial goals by allowing a customized strategy to fit their needs based on the stage of the life cycle for each particular business. We are one of the few Financial Institutions in the U.S. that can offer best in class lending and deposit products.

2019 I was recruited to help start a Commercial Lending team that would be based out of Costa Mesa CA. In April of 2022 I began working on a team to develop a footprint for an Oklahoma based Bank in Orange County CA. During the first 6 months sourced $124 million in multiple commercial loans for various businesses. Some of these were large Investment Commercial Properties, Owner Occupied Commercial Real Estate, C&I loans, SBA, and lines of credit. 1CB Bank in 2023 reduced their scope from lending throughout California, Arizona, and Texas to strictly Southern California. Quarter 1 of 2023 generated a multifamily development project based in San Diego with full personal guarantee for $50 million before starting my consulting firm in September later that year.

The Relationship Managers (RM) responsibilities involve managing a portfolio by Client retentionas well as finding new opportunities to assist those businesses with Banking services that allow these companies to perform financial duties seamlessly. In addition to the book all RM's are required to grow the book by bringing on $13MM in deposits and commercial loans. Lastly, RM's are responsible on an annual basis to refer and fund accounts through Citizens Business Trust or Investment Services. In 2021 I was number 1 in the Franchise for the year by bringing the largest deposit of all RM's and other sales people at Citizens Business Bank which received personal recognition from the Chief Executive Officer of the $24 Billion in asset Financial Institution. 2023 $7 Million funded in Commercial Credit and was tracking $20 million before being offered to start a brand new Commercial Lending team at a new company which started in April.

Main priorities were to organize sales strategies every week, develop scripting for new associates, and manage a team of 12-14 people to ensure sales quotas were obtained or exceeded on a weekly basis. This job was commission only for the entire duration of the 4 years I was there. Rock and Roll Marketing was dissolved in 2010 due to various reasons.