Career Opportunities

The position requires attention to detail, independence, and decisiveness combined with the ability to prioritize and operate in a multi-tasked and geographically dispersed environment. The ideal candidate has at least seven years' experience as a Relationship or Portfolio Manager, enjoys the credit underwriting process, and has a desire to pursue a career in credit administration. Experience in compliance and CRA is a plus. Responsibilities include: review of credit authorization and financial spreads for loan approval, ensuring loan requests adhere to credit policy, participation in credit approvals; ensure compliance with Credit Policy; and daily and weekly approvals of significant and insignificant credit amendments and waivers for the assigned portfolio. The individual determines the feasibility of granting credit for C&I credits, makes recommendations on structure, and covenants so as not to expose the bank to undue credit risk. This position requires excellent interpersonal and communication skills due to frequent contact with lenders, senior management, and regulators.

Essential Functions and Basic Duties:

Essential

• Review and approve loan requests within assigned approval authority.
• Review and recommend loan requests exceeding assigned approval authority.
• Ensure that the risk grading of individual loans is accurate and timely.
• Provide technical advice, guidance, and assistance to lenders in structuring and documenting individual transactions.
• Ensure all portfolio reporting is completed by relationship managers.
• Oversight of loan ticklers to ensure compliance with covenants and financial reporting.
• Maintain credit approval request log.
• Review of financial analysis presented by lending staff for accuracy.
• Proactive and timely monitoring and management of delinquent loans.
• Advise lenders on potential red flags for deteriorating credits.
• Ensure the quality of loan presentations as to accuracy and completeness.
• Serve as a resource for credit policy and procedure interpretation for relationship and portfolio managers.
• CRA assistance with administrative tasks such as compiling community development logs from raw data and determine whether activities qualify for CRA.
• Assist in organizing CRA activities and be a member of the internal CRA working group.
• Review adverse action logs for compliance across divisions in the Bank.
• Prepare Special Assets logs for Corporate Banking which involves discussions with the lending team.
• Attend Officer Loan Committee, CECL, CRA, Compliance and SAC meetings.

Supplementary

• Contribute ideas concerning bank strategy, compliance and regulatory risk management.
• Provide training for the credit analysts and lenders as needed.
• On an as-needed basis, design and develop forms and loan policy for Credit Administration.
• Assist in managing troubled assets and potential troubled assets.
• Develop knowledge of the financial industry, economy, and market conditions.

Qualifications and Desired Skills:

• Computer proficiency and advanced skill set in Microsoft Excel, Word, and PowerPoint.
• Excellent verbal and written communications skills.
• Highly proficient at analyzing complex financial statements and tax returns.
• Ability to develop relationships throughout the Bank as well as with bank auditors.
• Strong analytical proficiency with excellent critical thinking skills.
• Ability to work efficiently and accurately while meeting deadlines.
• Extensive knowledge of C&I lending.

Experience Required:

• Minimum of 7+ years relevant commercial bank lending experience.
• Bachelor's degree required.
• Prior experience in credit administration desired but not required.
• A desire to pursue a career in credit administration.

Travel Requirements: Occasional travel is required to different bank locations.

Avidbank is a $2.1 billion commercial bank headquartered in San Jose, CA. We are a highly responsive business bank, providing tailored financial solutions. We are advocates for our clients and specialize in providing innovative banking products and supportive services that exceed our clients' expectations.

Founded in 2003, we specialize in commercial & industrial lending, technology and asset-based lending, specialty finance, venture lending, and real estate construction and commercial real estate lending. We have one branch in San Jose along with loan production offices in Redwood City and San Francisco.

The Business Systems Commercial Administrator is an experience professional responsible for Avidbank's commercial lending system configurations and customization, with a heavy focus on the administration of the nCino platform. This position requires in-depth knowledge of commercial loan underwriting and origination processes including operational workflows. Remote option is possible.

Essential Functions and Basic Duties:

• Responsible for all technical and process aspects of nCino, including analysis, planning, testing, and implementation of related projects and tasks.
• Demonstrate an understanding of all types of nCino business rules, forms, tools, users, permission sets, groups, profiles, objects and fields, and roles.
• Design, document, and implement solutions by creating or modifying system workflows, dashboards, and reports to continuously improve data quality, process integrity, and productivity.
• Manage nCino enhancements by testing new functionality, deploying to a production environment, and communicating to end-users; monitor nCino updates and address system configuration updates where needed.
• Develop working relationships with nCino's support department.
• Manage Admin+ hours in an effective and efficient manner, if applicable.
• Provide support for internal user requests while troubleshooting issues, escalating items to management, and nCino technical support/Admin+ as needed.
• Education/train business units on new nCino features.
• Create and maintain commercial lending system end-user setups and permissions.
• Exhibit meticulous attention to detail.
• Demonstrate agility to solve problems.
• Partner with Loan Services, Division Managers, and Senior Managers to remain aware of technology and process challenges and needs.
• Identify and communicate risks related to process and configuration changes while analyzing requirements and developing solutions and controls.
• Ensure change control and operations procedures are followed for production updates.
• Identify third-party integration opportunities to lending systems, bank core and supporting systems; troubleshoot and resolve issues with existing interfaces.
• Serve as a liaison between business units and technology teams.
• Administrative support of additional systems and special projects, as needed.

Qualifications and Desired Skills:

Knowledge:

• Proven capacity to understand complex business and technical concepts.
• Strong organizational skills.
• Project implementation and solution engineering.
• Advanced experience administrating lending technology and processes.
• Comprehensive knowledge of lending policies, workflows, and technology.
• Comprehensive knowledge of project, process, and change management tools and methodologies.

Ability to:

• Analyze business processes and recommend solutions to streamline leveraging process improvement and automation strategies.
• Facilitate Commercial Lending Technology working group(s) focusing on the identification and resolution of process and technology challenges and governance of change and release management processes.
• Provide technical expertise, direction, and support for Commercial Lending processes, technology, compliance, and federal regulations.
• Leverage existing and third-party technology to support effective and efficient lending processes.
• Demonstrate strong communication, presentation, and technical writing skills.
• Ability to communicate clearly, both written and verbally, throughout all team member levels.
• Requires advanced knowledge of commercial lending systems and financial services, including CRE, C&I, Construction, Specialty, Factoring, and Venture lending.
• Ability to interpret and change existing system configurations, including but not limited to: rules, triggers, forms, and workflows.
• Require proficiency with Microsoft Office products.
• Willing to support upgrades and implementations during non-business hours.

Experience Required:

• Bachelor's degree (or equivalent work experience) preferred.
• 1+ years Salesforce or nCino administration, or commitment to complete Salesforce Admin certification within six months.
• nCino Administrator certification preferred.

Avidbank is a $2.1 billion commercial bank headquartered in San Jose, CA. We are a highly responsive business bank, providing tailored financial solutions. We are advocates for our clients and specialize in providing innovative banking products and supportive services that exceed our clients' expectations.

Founded in 2003, we specialize in commercial & industrial lending, technology and asset-based lending, specialty finance, and real estate construction and commercial real estate lending. We have one branch in San Jose along with loan production offices in Redwood City and San Francisco.

The AVP Portfolio Manager will be assigned to the Specialty Finance division and is primarily responsible for leading the underwriting and management of portfolio of credits with varying complexity. In addition to managing credit risk, the AVP Portfolio Manager will focus on excellent customer service to retain clients and find ways to grow the loan and deposit base of existing client relationships. The Portfolio Manager will also work to train and mentor junior staff as appropriate. Core lending products include cash flow term loans, asset-based lines of credit, and recurring revenue revolvers primarily utilized by sponsor-backed businesses for acquisition financing, debt refinance, recapitalizations, and working capital support. Job location is flexible with the possibility of fully remote.

Essential Functions and Basic Duties:

• Monitors existing portfolio credits against reporting, financial, and Bank policies. Provides regular updates to relationship managers and credit admin.
• Underwrites and coordinates the closing of Specialty Finance credit products in compliance with the Bank's lending policies and procedures.
• Helps monitor and coach junior team members with respect to underwriting and portfolio management.
• Analyzes market conditions to ensure proper underwriting standards and portfolio management is being maintained.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential clients; visits sites of loans; negotiates loan terms and conditions.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, client needs, and conform to Bank lending policies; obtains sufficient information and/or documentation from clients; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Negotiates along with Business Development Officer or Relationship Manager, underwrites and processes renewals of credit facilities.
• Authorizes commitment, engagement, adverse action and decline letters.
• Reviews NSF and overdraft reports for clients assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility.
• Performs other duties as assigned.

Qualifications and Desired Skills:

• Thorough understanding of financial services and banking products.
• Strong underwriting and portfolio management skills.
• Financial modeling experience and comfort.
• Ability to manage complex credits and client relationships.
• Background in cash flow lending for sponsor-backed borrows a plus.
• Thrives in a dynamic and remote work environment.
• Skilled communicator (written and verbal).
• Strong ability to lead and motivate junior staff.
• Ability to interpret financial data and reports and when necessary, recommend appropriate actions.
• Ensures absolute confidentiality in all areas of responsibility.
• Proactive attitude and resourcefulness.

Experience Required:

This level of knowledge is normally acquired through a Bachelor's degree along with at least 3+ years of experience. Qualified candidates with equivalent experience should apply.

Credit Analyst Interns assist the lending function by gathering and analyzing credit information on current and potential borrowers, and determine credit risk for diversified types of loans.

Essential Functions and Basic Duties:

• Assists loan officers in writing loan requests and proposals.
• Promotes quality client relations and refers clients tok appropriate staff for new services.
• Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
  • Gathers data from clients and other sources.
  • Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
  • Contacts clients for additional information and clarification of data.
  • Verifies pledged assets.
• As instructed, compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analysis and other related tasks.
• Based on analysis, makes recommendation on loan structures and terms to loan officers and assists in the writing of financial analysis and reports.
• Assists with loan processing and coordination.
• Monitors loans and determines when updates to documentation, e.g., financial statements, are required. Informs loan officers and monitors accounts. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Assists loan officers in verification of funds with mortgage companies and contractors.
• Participates in the on-going computerization of the loan review function.
• Assists in providing deposit and loan account ratings for loan officers.
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Understands governmental regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility.
• May represent the Bank in various community, civic and community reinvestment functions to promote the Bank's image and develop additional business.
• Performs other duties as required.

Qualifications and Desired Skills:

• Undergraduate degree (or anticipated in a year) in business, finance/accounting, or related field.
• Familiarity with financial statements and ability to analyze business and financial data.
• Proficient in the use of personal computers and software programs, such as Excel and Word.
• Familiarity with financial analysis and development of spreadsheets.
• Good communication skills, both verbal and written.

Experience Required:

None.