Loan Documentation Specialist

Description

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 The Role:

The Loan Documentation Specialist prepares accurate, compliant loan documentation in LaserPro based on approved loan terms and conditions. This role reviews and validates borrower, corporate, and collateral information to ensure documentation aligns with credit approvals, internal policies, and regulatory requirements. The Loan Documentation Specialist partners closely with Loan Processors and Relationship Managers to resolve exceptions, obtain missing items, and incorporate updates, while responding to inquiries professionally and promptly. The position also maintains ongoing compliance through required training and adherence to bank procedures and applicable state and federal regulations. This is an on-site position at our Watsonville location. 

Job Duties:

• Prepares loan documentation in Laser Pro in an accurate and timely manner as loan was approved. 
• Review the documentation to ensure they correctly describe the intended terms and conditions of the loan and follow loan policies and procedures.
• Reviews and interprets the loan requests, terms, and conditions, to the related Borrower, and collateral documentation to accurately structure and document the loan to ensure adherence to requirements.
• Confers with Loan Processors and/or Relationship Managers, as necessary, for any pending items, corrections and/or revisions, as well as any updated loan information for the file.
• Verifies proper approvals through the credit write up
• Validate information required for documentation; obtain a thorough review of corporate and collateral documentation, including but not limited to:
  • Flood determinations
  • Lien searches
  • Title searches 
  • Completeness and compliance with loan approval guidelines and internal policies
• Respond to and resolve Relationship Managers inquiries with professionalism and promptness
• Successful completion of all compliance and training courses assigned by the Bank
• Adhere to and comply with Bank policies and procedures
• Adhere to and comply with state, federal and other governmental rules and regulations
• Perform additional duties as assigned

Requirements

• AA Business Administration or equivalent 
• Prior banking experience a plus
• 3-5 years’ experience working in a loan servicing setting preferred

Requisite Skills:

• Strong organizational skills
• Excellent verbal and written communication skills
• Proficient in Microsoft Office Suite
• Detail oriented
• Familiar with company software and processing procedures
• Knowledge of all bank lending rules and regulations
• Ability to work with minimum direction
• Trustworthiness and the ability to act with integrity
• Regular, reliable and punctual attendance

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 accommodation 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 overtime work as business demands dictate.

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.