Commercial Real Estate Administrator
About The Position
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.
Requirements
- BA Business Administration with a preferred concentration in Finance or Accounting
- 5+ years related experience in commercial real estate, banking and underwriting
- 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
Nice To Haves
- Experience as a Certified General Appraiser, licensed appraiser, or formal commercial appraisal review background is strongly preferred
Responsibilities
- 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
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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
