Loan Processor

If youre looking for an exciting career opportunity youre 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 2000 hours of volunteering annually.

Our success is driven by our exceptional team experienced knowledgeable and focused on delivering results!

National regional and local honors weve received include:

• Newsweek Americas 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 Yearand 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

This position is on-site at our Watsonville location.

Under general supervision the Loan Processor will provide support to the Lending Credit Admin and Note Departments. This position will perform a variety of duties that may include:

• Coordination of workflow within the Lending Department to obtain required documentation and to facilitate complete loan packages for Underwriting. The Loan Processor is responsible for reviewing and identifying all missing documentation and assuring that the information is presented in a complete and accurate manner.
• Communicate with Relationship Mangers Business Development Officers Credit Administration and the Note Department to insure timely processing for underwriting and document preparation.
• Setup and maintenance of digital loan files on our document management system (Director) to include uploading and maintaining financials received.
• Order review and understand appraisals entity documents trusts agreements purchase contracts and UCC filings.
• Ability to review and understand Preliminary Title reports address title exceptions and prepare escrow instructions.
• Engage third party vendors for credit reports appraisals environmental due diligence and preliminary title reports.
• Coordinate Loan closings with the Note Department Relationship Managers and Title Company.
• Knowledge of state and federal banking compliance regulations pertaining to TILA-RESPA Integrated Disclosure Rule (TRID) HMDA Reg B Reg Z Adverse Action and Flood compliance.
• Maintain regulatory compliance knowledge by utilizing (BVS) online training attend necessary outside job-related compliance training seminars and reference written bank compliance procedures.
• Maintain and update pipeline reports.
• Monitor tickler system to ensure timely receipt of financial loan covenants.
• Perform other duties as may be required by the Lending Department.
• General clerical duties including filing copying data entry and scanning.

Qualifications

• 1 - 4 years of experience working in loan processing loan documentation or loan administration within a financial institution
• High School diploma or GED
• Knowledge of commercial construction real estate and consumer loan products.
• Basic understanding of Title & Escrow.
• Basic understanding of Laser Pro Document preparation system.
• Experience working with lending service providers.

Requisite Skills:

• Understanding of Lending documentation
• Strong organizational skills attention to detail and accuracy
• Strong verbal and written communication skills
• Ability to work in a fast-paced environment meet deadlines and multi-task
• Ability to problem solve and make decisions
• Ability to prepare and edit documents using Word and Excel

Benefits:

• Medical dental and vision plans
• Vacation sick leave paid Holidays
• Paid volunteer time
• Employer paid life insurance
• 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.

*To ensure a consistent hiring process we do not accept unsolicited resumes from third-party recruiters or agencies. Submissions without prior approval will not be considered.