Commercial Real Estate Administrator at West Coast Community Bank

Santa Cruz, California, United States -

Full Time

Start Date

Immediate

Expiry Date

22 May, 26

Salary

100000.0

Posted On

21 Feb, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Real Estate Valuation, Commercial Credit Underwriting, Appraisal Oversight, Environmental Due Diligence, Collateral Risk Analysis, Loan Underwriting, Appraiser Management, Regulatory Compliance, Independent Judgment, Credit Recommendations, Portfolio Stress Testing, Financial Statement Analysis, USPAP Knowledge, Commercial Property Analysis, Environmental Risk Assessments, Credit Administration

Industry

Banking

Description

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 About this role: This position is located on-site at our Santa Cruz location. The CRE Administrator has strong expertise in both real estate valuation and commercial credit underwriting. The CREA serves as the Bank’s in-house specialist for appraisal oversight, environmental due diligence, and collateral risk analysis, while also underwriting new and renewed commercial real estate loans. Role is positioned for growth based on performance and demonstrated expertise. Manage the Bank’s list of approved appraisers and directly order appraisals for real estate secured transactions Review all real estate appraisals to ensure they are performed within Bank and regulatory policies and procedures Manage third-party formal appraisal reviews and complete internal review forms for all real estate appraisals Manage the Bank’s real estate environmental due diligence ordering to ensure Bank and regulatory policies are maintained Exercise independent judgment on appraisal appropriateness and credit recommendations within established authority levels Coordinate with analytics team to manage and prepare portfolio stress testing reports Prepare credit addendums related to real estate transactions approved subject to real estate appraisals Underwrite new and renewal commercial real estate loan requests and render decisions in adherence with Bank lending policy. Includes performing collateral analysis and written credit approvals Spread, review and analyze updated financial statements and supporting documentation on existing and new commercial real estate loans Education: BA Business Administration with a preferred concentration in Finance or Accounting Prior Experience: 5+ years related experience in commercial real estate, banking and underwriting Experience as a Certified General Appraiser, licensed appraiser, or formal commercial appraisal review background is strongly preferred Requisite Skills: Strong verbal and written communication skills. Strong analytical skills Knowledge of USPAP and current real estate valuation standards Ability to analyze commercial property types including industrial, office, retail, and multifamily Familiarity with environmental risk assessments and Phase I/II standards Through understanding of the Bank credit administration process Ability to work independently and solve complex issues with minimal guidance Ability to work effectively at a fast pace with competing interests and due dates, but still maintain a timely turnaround time Proficient in the use of personal computers and software programs, such as Excel, MS Word and MS Access as well as other programs specific to the banking industry Familiar with accounting and proficient at analyzing both financial statements and real estate appraisals 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.

Responsibilities

The CRE Administrator acts as the in-house specialist for appraisal oversight, environmental due diligence, and collateral risk analysis, while also underwriting new and renewed commercial real estate loans. This role involves managing the approved appraiser list, reviewing appraisals for policy compliance, and preparing credit addendums for real estate transactions.