VP Credit Administrator

Description

If you’re looking for an exciting career opportunity, you’re in the right place.

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!

National, regional and local honors we’ve received include:

• Newsweek –  America’s Best Regional Banks and Credit Unions 2025
• American Banker Magazine – Top 100 Best Performing Community Banks in the U.S., 10 years
• Good Times –  Readers’ Poll, Best Bank in Santa Cruz County, 13 years
• Santa Cruz Sentinel –  Readers’ Choice, Best Bank in Santa Cruz County, 10 years
• Farm Bureau of Santa Cruz County and Agri-Culture – Al Smith Friend of Agriculture Award
• Second Harvest Food Bank – Big Step and Platinum Awards for Holiday Food and Fund Drive
• Santa Cruz Area Chamber of Commerce –  Business of the Year 2025, 2021 and 2018
• The Pajaronian – Best of the Pajaro Valley 2024 Readers’ Poll, Best Bank 
• The Press Banner – The Best of Scotts Valley 2024 Readers’ Poll, Best Local Bank 

Position Overview  

About the Role:

The VP Credit Administrator assists in managing all aspects of the credit administration process, particularly reporting on problem loans and facilitating the loan approval process. The VP Credit Administrator also helps the Underwriter Manager to oversee the Credit Analyst group in adhering to the Bank’s underwriting policies and procedures. Additionally, the Credit Administrator provides guidance to Relationship Managers and Executive Management on individual loans and the loan portfolio.

• Evaluates and examines credit requests in order to assess creditworthiness, risk classification, loan structure, and collateral analysis.
• Works with the Underwriter Manager to facilitate the underwriting and approval process.
• Monitors lending reports regarding credit metrics across the loan portfolio including delinquencies, covenants, exceptions, risk ratings, problem loans and loan status.
• Provides guidance to Relationship Managers and senior management regarding Criticized and Classified loans including TDRs and impairments.
• Assists in the development, assessment, and launch of new credit products.
• Works with the Note Department and Loan Processors to ensure that processes result in timely and accurate boarding of new loans and renewals.
• Participates in lending audits and exams, and helps to ensure lending compliance with banking regulations, including implementing recommendations resulting from exams.
• Works with Executives and across departments to ensure best practices in credit administration and managing credit risk arising from the Bank’s lending activities.
• Provides mentoring and feedback to the Credit Analyst and Relationship Management.
• Acts as a leader within the bank and represents SCCB in the community.

Requirements

Required Education:

• BA Business Administration; MBA preferred.

Preferred Prior Experience:

• 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.

Requisite Skills:

• 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.

Physical Demands:

The physical demands described here are representative of those that must be met by a teammate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee may be regularly required to stand, sit, talk, hear, reach, stoop, kneel, and use hands and fingers to operate typical office equipment such as a computer, telephone, mouse and keyboard.
• Specific vision abilities required by this job include close vision requirements due to computer work.
• Light to moderate lifting may be required.
• Regular, predictable attendance is required; including the occasional evening and weekend work as business demands dictate.
• Travel between company locations as needed.

Work Environment

The work environment characteristics described here are representative of those a teammate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e., business office with computers, phone, and printers, moderate traffic).
• Ability to work in a confined area.
• Ability to sit or stand at a computer terminal for an extended period.