Its probably just me, but on a rocky bank, steep or not, is a small skirted jig. In small I don't necessarily mean light. I mean a weight anywhere between 1/4 oz and 1/2 with a light wire hook. Now is hard to find a manufacturer that makes such jigs, but making them yourselves can be fruitful. If you don't want the hassle, then Jewel Baits, Beast Coast, and Keitech all make them.