Career Opportunities

Connect with a
dynamic, growing team.
Connect with a dynamic, growing team.

Career Opportunities At Avidbank

Working at Avidbank you will find no two days alike. We are growing fast and are looking for like-minded individuals to join our team. We take pride in building long-lasting relationships with our clients, and we have lots of fun while doing so. We are advocates for our clients as well as our colleagues. Responsive, Collaborative & Accountable. We do what we say.

Below is a listing of current job openings along with all the details. To apply, click on the email link at the top of the job posting. Please be sure to attach your cover letter and resume.

Avidbank is an affirmative action and equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity, gender expression, sexual orientation, national origin, genetic information, age, disability, veteran status or any other legally protected basis.

Customer Service Representative – Palo Alto

Job Posting

Title: 

Customer Service Representative

Position Type:  

Full-Time

Location: 

Palo Alto

Summary: 

This position is a client-facing role and is an integral part of our day-to-day Bank operations. The ideal candidate comes to us with a strong work ethic, great communication, and excellent customer service skills.

Essential Functions and Basic Duties:

  1. Performs routine and intermediate branch and customer services duties; accepts retail and commercial checking and savings deposits; cashes checks and savings withdrawals and other client transactions as requested
  2. Promotes business for the Bank by maintaining quality customer relations and referring customers to appropriate staff for new services.
  3. Processes client transactions as requested, ensuring that all necessary documents are properly authorized, in proper form, within authorized limits, and completed accurately:
    1. Receives retail and commercial checking and savings deposits and issues receipts.
    2. Cashes checks, savings withdrawals, and prepares change orders.
    3. Operates computer terminal or personal computer to process account activity, determine balances, and resolve problems within given authority.
    4. Issues cashier's checks
    5. Receives and processes stop payment and hold orders.
    6. Other duties as assigned by management
  4. Balances and reconciles cash drawer daily and verifies cash being returned to the vault.
  5. Establishes proper identification of new customers and determines need and extent of reference investigation.
  6. Assists with night depository duties.
    1. Logs bags.
    2. Processes deposits.
    3. Makes change orders.
    4. Issues receipts and returns bags to customers
  7. Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated.
  8. Records, files, updates information, prepares wire transfers and sorts mail or reports as required.
  9. May gather data and process various reports (e.g., currency transaction, returned items, overdrafts, callbacks, etc.).

Qualifications and Desired Skills:

Excellent communication skills, attention to detail, self-motivation, and a strong computer aptitude.

Experience Required:

High School Diploma. Minimum 2 years related experience preferred.

Loan Documentation Specialist – Redwood City

Job Posting

Title: 

Loan Documentation Specialist

Position Type:  

Full-Time

Location: 

Redwood City

Summary: 

The Loan Documentation Specialist will be responsible for the preparation of loan documentation for all loans including multi-family, commercial real estate, business lines of credit, personal lines of credit, accounts receivable formula lines of credit and Home Equity Lines of Credit. This person will also be responsible for reviewing loan documentation requests for completeness and regulatory compliance and preparing loan documentation pursuant to the terms and conditions of loan approval.

Essential Functions and Basic Duties:

  • Review Credit Authorizations and prepare the appropriate Loan Documents and other ancillary documents needed to address the Credit Authorizations under direct supervision.
  • Basic knowledge of Avidbank policies and procedures as well as Federal, State and other regulatory requirements.
  • Assists management in insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act.
  • Work with title companies.
  • Review loan files prior to loan booking to ensure compliance with Credit Authorizations.
  • Review title policies for accuracy and work with title companies to resolve discrepancies.
  • Responsible for the daily delivery of the highest level of service to both internal and external clients.    
  • Additional support and duties as assigned.

Qualifications and Desired Skills:

  • Experience in LaserPro and Horizon is desirable.
  • Computer Skills: Advanced Microsoft Word, Microsoft Excel, and Microsoft Outlook.
  • Ability to provide courteous, knowledgeable and professional customer service in all forms of interaction.
  • Ability to assume responsibility, display initiative, exercise good judgment, and make and act upon decisions with minimal supervision.
  • Good organizational skills, ability to prioritize and meet deadlines.

Experience Required:

  • Undergraduate degree or Associates Degree in finance or business preferred.
  • Minimum 1 year related experience in loan operations processing.

Client Service Representative, Support Services – San Jose

Job Posting

Title: 

Client Service Representative, Support Services

Position Type:  

Full-Time

Location: 

San Jose

Summary: 

This is a client service position integral to our day-to-day bank operations. The ideal candidate comes to us with a strong work ethic, great communication, major attention to detail, ability to retain information, and excellent client service skills.

Essential Functions and Basic Duties:

·       Performs routine and intermediate client service duties; balancing GLs and other daily maintenance operations reports, online banking and other cash management functions (RDC, Wires, ACH), cash letter adjustments, and other client transactions as requested.

·       Promotes business for the Bank by maintaining quality client relations and referring customers to appropriate staff for new services.

·       Processes client transactions as requested, ensuring that all necessary documents are properly authorized, in proper form, within authorized limits, and completed accurately.

·       Operates computer terminal or personal computer to process account activity, determine balances, and resolve problems within given authority.

·       Receives and processes research (check and statement copies) upon client request.

·       Receives and processes stop payment and hold orders.

·       Receives and processes client transfers.

·       Establishes proper identification of new customers and determines need and extent of reference investigation.

·       Cross-sells the Bank’s other products and services, referring customers to appropriate staff as indicated.

·       Records, files, and updates client information, with appropriate verification.

·       Prepares wire transfers, incoming and outgoing, performs call back (verbal confirmation).

·       Gathers data and processes various reports (e.g., currency transaction, returned items, overdrafts, maintenance, callbacks, etc.).

·       Processes credit ratings, verification of deposit, certifications, cash letter adjustments, and deposit corrections.

·       Maintains files, copies, and fax documents.

·       May prepare and research data for levies and garnishments.

·       Assist clients with debit card transaction research, including ordering new debit cards, processing Regulation E claims.

·       Assist clients with Online Banking including but not limited to, resetting passwords, bill pay, building users, assisting clients with troubleshooting, reviewing potential   fraudulent transactions, and other functionality.

·       May assist clients with Mobile Banking and Mobile Remote Deposit Capture including but not limited to, enrollment and basic functionality.

·       May Assist with Remote Deposit Capture including but not limited to, reviewing deposits, resetting passwords, assisting clients with troubleshooting, and other basic functionality.

·       May assist New Accounts (ordering checks, processing credit card applications) as required, or for back up to other personnel.

·       Attends and contributes to Operations and All Staff meetings held periodically.

·       Other duties as assigned by management.

·       Assists management in ensuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act. 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.

·       Other related compliance areas (as they pertain to Operations):

o   Expedited Funds Availability – Regulation CC

o   Red Flags – Identity Theft

o   Error Resolution – Regulation E

o   Truth in Savings – Regulation DD

o   Reserve Requirements for Depository Institutions – Regulation D

o   Privacy of Consumer Financial Information – Regulation P/GLBA

o   Prohibition on Funding of Unlawful Internet Gambling – Regulation GG

Qualifications and Desired Skills:

Excellent communication skills, attention to detail, self-motivation, and a strong computer aptitude. 

Experience Required:

High School Diploma. Minimum 2 years related experience preferred.

Credit Analyst - Venture Lending – San Francisco

Job Posting

Title: 

Credit Analyst - Venture Lending

Position Type:  

Full-Time

Location: 

San Francisco

Summary: 

This position assists the lending function by gathering and analyzing credit information on current and potential borrowers and determining credit risk for diversified types of loans.

Essential Functions and Basic Duties:

  • Assists loan officers in writing loan requests and proposals.
  • Promotes quality customer relations and refers customers to 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.

a. Gathers data from customers, investors, and other sources.

b. Prepares spreadsheets and analyzes financial information including financial statements

c. Contacts customers for additional information and clarification of data.

  • As instructed, compiles data from industry peer comparisons, perform financial analyses 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.
  • Assist 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. 
  • Participate in the on-going computerization of the loan review function.
  • Assist in providing deposit and loan account ratings for loan officers.
  • Update and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
  • 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.
  • May represent the Bank in various community, civic and community reinvestment functions to promote the Bank’s image and develop additional business.
  • Perform other duties as required.

Qualifications and Desired Skills:

  • Associate or Bachelor’s Degree in finance, accounting, business, or related field preferred.
  • Basic knowledge of lending, compliance or CRA.
  • Proficient in Excel and Word.
  • Knowledge of Horizon.
  • Strong organizational skills, interpersonal skills, and detail oriented.

Experience Required:

Minimum of two years’ experience in a financial institution in an accounting/financial, lending, credit analysis or related area.

Vice President, Relationship Manager – San Jose

Job Posting

Title: 

Vice President, Relationship Manager

Position Type:  

Full-Time

Location: 

San Jose

Summary: 

The Relationship Manager is responsible for managing a portfolio of clients and developing good business relationships that lead to loans, deposits and other banking products offered by the Bank. The Relationship Manager must assist with the management sales and service efforts to ensure retention of existing relationships and growth of new relationships.

Essential Functions and Basic Duties:

  • Solicits, negotiates, underwrites and coordinates the closing of business loans in compliance with the Bank's lending policies and procedures.
  • Develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
  • Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
  • Analyzes potential loan markets to develop new prospects.
  • Develops business relationships.
  • 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 customers; visiting sites of loans; negotiates  loan terms and conditions.
  • Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
  • Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
  • Ensures that certification or deletion of collateral is made by the appropriate personnel.
  • Negotiates, underwrites and processes renewals of credit facilities.
  • Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
  • Authorizes commitment, engagement, and declination letters.
  • Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
  • Assists management with insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act.
  • May represent the bank in community or civic functions to promote the Bank’s image and bank products and services.

Qualifications and Desired Skills:

  • Thorough understanding of financial services and banking products.
  • Strong underwriting and portfolio management skills.
  • Ability to manage complex credits and client relationships.
  • Background in leveraged finance a plus.
  • Results driven.
  • Thrives in a dynamic environment and has keen sense of urgency.
  • Skilled communicator.
  • 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.

Experience Required:

This level of knowledge is normally acquired through a Bachelor's degree along with at least 5 years of experience. Qualified candidates with equivalent experience should apply.

Vice President, Credit Officer – San Jose

Job Posting

Updated: April 23, 2019

Title: 

Vice President, Credit Officer

Position Type:  

Full-Time

Location: 

San Jose

Summary: 

The position requires attention to detail, independence and decisiveness combined with the ability to prioritize and operate in a multitasked and geographically dispersed environment. The ideal candidate has at least seven years’ experience as a Relationship or Portfolio manager and enjoys the credit underwriting process and may have some credit approval experience. 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; 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, make 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 the high level of contact with lenders, senior management, existing customers and regulators. This position is a client-facing role in our Branch and is an integral part of our day-to-day Bank operations. The ideal candidate comes to us with a strong work ethic, great communication, and excellent customer service skills.

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 are accurate and timely.
  • Provide technical advice, guidance and assistance to lenders in structuring and documenting of individual transactions.
  • Ensures all portfolio reporting (i.e. CLR, Term Loan Reviews etc.) are completed in a judicious fashion.
  • Review of financial analysis presented by lending staff for accuracy.
  • Proactive and timely monitoring and management of delinquent loans.
  • Advises lenders on potential red flags for deteriorating credits.
  • Ensure the quality of loan presentations as to accuracy and completeness.
  • Serves as a resource for credit policy and procedure interpretation for relationship and portfolio managers.
  • Assists Senior Credit Officers and Chief Credit Officer with projects as assigned.
  • Regular travel is required to various bank locations and occasionally to a client’s place of business.

Supplementary

  • Contribute ideas concerning bank strategy, compliance and regulatory risk management.
  • Provide training of 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:

  • Bachelor’s degree required.
  • Prior experience in credit administration desired but not required.
  • A desire to pursue a career in credit administration.
  • Computer proficiency and advanced skill set in Microsoft Excel and Word.
  • 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 with regulators and bank accountants.
  • Strong analytical proficiencies with excellent problem solving skills.
  • Ability to work efficiently and accurately ensuring all deadlines are met.
  • Extensive knowledge of C&I lending.

Experience Required:

  • Minimum of 5+ years relevant commercial bank lending experience.