SBA Business Development Officer

Description

West Coast Community Bank is opening a new office in downtown San Jose! We’re looking to expand our team with experienced relationship bankers and lenders who bring deep local market knowledge and strong client relationships. If you value relationship banking and local decision-making backed by one of the nation's top-rated community banks, then we’d love to connect. 

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:

This position can be located in any of our market areas.  

The SBA Business Development Officer is responsible for developing, originating, and processing SBA, USDA B&I, USDA FSA, and Pass Thru loans. This role focuses on calling on prospective and existing customers to generate new business, providing financial guidance, and managing loan requests from initial screening through funding. The position may involve direct interaction with representatives of the U.S. Small Business Administration and the U.S. Department of Agriculture and supports departmental activities to maintain a high level of customer service and satisfaction.

• Develop and submit SBA, USDA B&I, USDA FSA, and Pass Thru loan requests
• Call on prospective and existing customers to generate new business opportunities
• Provide financial counsel to current and prospective customers
• Interview prospective loan applicants to determine program eligibility
• Obtain and analyze sufficient applicant information to support sound credit decisions
• Screen, review, and analyze loan requests
• Maintain direct control of loan files and documentation from initial credit submission through funding
• Develop business within the community directly and through referral sources such as attorneys, accountants, real estate brokers, business brokers, and other lead generators
• Represent the Bank positively in the community and professional associations by participating in community events to support client retention and brand awareness
• Interface directly with SBA or USDA officers as needed
• Provide support to the SBA Department, including obtaining financials, conducting site inspections, or assisting with collection activities when requested
• Travel as required

Compliance Responsibilities:

• Responsible for ensuring compliance with all applicable job-related laws and regulations. Maintains current compliance knowledge by attending required training sessions and reviewing relevant materials.
• Applicable regulations include, but are not limited to:
• Truth in Lending Act (Regulation Z)
• Equal Credit Opportunity Act (Regulation B)
• Fair Housing Act
• Fair Credit Reporting Act
• Fair Debt Collection Practices Act
• Loans Secured by Margin Stock (Regulation U)
• Credit Practices Rules (Regulation AA)
• Community Reinvestment Act
• Real Estate Appraisal Regulations
• Real Estate Settlement Procedures Act (Regulation X)
• Regulation O
• Bank Bribery Act
• Emergency Preparedness requirements
• Financial Privacy Laws

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Preferred Education

• Bachelor’s degree in Business or Finance from a four year college or university and three years of related experience

Preferred Prior Experience

• Prior relationship management experience
• Knowledge of the business and economic environment

Requisite Skills

Language Skills

Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, and governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from management, clients, and the public. Strong verbal and written communication skills.

Mathematical Skills

Ability to work with mathematical concepts such as fractions, percentages, ratios, proportions, probability, and statistical inference, and to apply these concepts to practical situations.

Reasoning Ability

Ability to solve practical problems and manage a variety of variables in situations with limited standardization. Ability to interpret instructions provided in written, oral, diagram, or schedule form.

Other Skills and Abilities

• Friendly and cooperative attitude.
• Ability to manage multiple tasks simultaneously without loss of quality or continuity.
• Ability to work independently with minimal supervision.
• Strong organizational and prioritization skills.
• Ability to meet strict deadlines while balancing the needs of the Bank and its clients.

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.