About the position
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!
Responsibilities
- Assist in managing all aspects of the credit administration process, particularly reporting on problem loans and facilitating the loan approval process.
- Help the Underwriter Manager to oversee the Credit Analyst group in adhering to the Bank’s underwriting policies and procedures.
- Evaluate and examine credit requests in order to assess creditworthiness, risk classification, loan structure, and collateral analysis.
- Work with the Underwriter Manager to facilitate the underwriting and approval process.
- Monitor lending reports regarding credit metrics across the loan portfolio including delinquencies, covenants, exceptions, risk ratings, problem loans and loan status.
- Provide guidance to Relationship Managers and senior management regarding Criticized and Classified loans including TDRs and impairments.
- Assist in the development, assessment, and launch of new credit products.
- Work with the Note Department and Loan Processors to ensure that processes result in timely and accurate boarding of new loans and renewals.
- Participate in lending audits and exams, and help to ensure lending compliance with banking regulations, including implementing recommendations resulting from exams.
- Work with Executives and across departments to ensure best practices in credit administration and managing credit risk arising from the Bank’s lending activities.
- Provide mentoring and feedback to the Credit Analyst and Relationship Management.
- Act as a leader within the bank and represent SCCB in the community.
Requirements
- BA Business Administration; MBA preferred.
- Commercial lending and credit risk experience, generally gained through a minimum of seven years in banking, credit, and risk functions.
- Financial analysis and credit underwriting experience with commercial borrowers is required.
- Experience should include a minimum of three years’ management, including the development of junior staff.
- Critical thinking and independent judgment in credit and lending decisions.
- Advanced analytical skills and ability to create meaningful credit reports using Excel.
- Ability to manage and develop lending staff, including other managers.
- Excellent written communication skills and ability to effectively convey information across the bank and also with executive management, regulators and vendors.
- Thorough knowledge of credit products and typical lending software.
- Thorough knowledge of regulatory requirements related to lending.
- Ability to work independently and in a team environment.
Benefits
- Medical, dental, and vision plans.
- Vacation, sick leave, paid holidays.
- Paid volunteer time.
- Employer paid life insurance, long term and short term disability.
- 401(k) with employer matching.
- Ongoing training, professional development and career advancement opportunities.
