Career Opportunities

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, 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.

Avidbank is looking for an experienced professional to serve as the Administrator of the nCino Commercial Lending platform. This position is responsible for implementing, administering, and maintaining Avidbank's enterprise and client relationship management (CRM) applications for the institution's infrastructure including the Salesforce platform. These applications control loan production lifecycles and service request lifecycles and manage prospects, campaigns, loans, business relationships, partners, and contacts.

This individual will report to the CTO, and work with the Chief Operating Officer, Chief Credit Officer and other Credit Administration and Commercial Lending managers. While all candidates will be considered, candidates living in or around the San Jose and San Francisco areas are encouraged to apply as well as experienced candidates in other locations.

Essential Functions and Basic Duties:

• Perform administration of Avidbank's Salesforce instance and security settings using the standard aspects of the Salesforce Setup menu.
• Manage the loan lifecycle and CRM applications implemented on the Salesforce platform.
• Identify and diagnose end user problems in a manner that exemplifies Avidbank's high standards of customer service.
• Develop and maintain custom reports, dashboards, and processes to continuously improve data quality, process integrity, and productivity.
• Assist with the institution's data maintenance including auditing and diagnosing data integrity issues and completing bulk imports of data.
• Define, communicate, and manage a change management (release) process to develop and implement new vendor application extensions or updates to existing application.
• Perform intermittent application testing of new nCino releases and internal organizational changes.
• Perform updates to nCino configuration to include nominal application configuration such as creating validation rules, workflow rules, and approval processes for form generation templates and credit memo templates.
• Understand, create, and manage various Salesforce and nCino syntax.
• Create, update, and manage nCino Support Cases. This includes researching documentation available in nCino's Community platform, clearly defining the issue, and actively working with nCino's Support Services team to resolve the case.
• Perform batch reassignment of accounts and opportunities based on organizational changes.
• Monitor user adoption rates and respond as needed.
• Develop training plans, materials, and documentation for application users, keep materials up to date, and coordinate ongoing training sessions for new users.
• Deliver training and communication to business users, including collaborating with management to identify new and creative opportunities to leverage the applications to support additional business processes or functions.
• Recommend best practices based on interactions with the Commercial Lending user community.

Qualifications and Desired Skills:

• Bachelor's degree in a business or technology field or equivalent work experience.
• Moderate to advanced knowledge of workflow applications, including Salesforce.
• Proficiency in data manipulation and using data-related applications.
• Exceptional interpersonal skills that involve collaborating with internal and external contacts regarding complex policies, procedures, or programs.
• Ability to use independent judgment, investigation, concept development, information interpretation, and collaboration with other departments.
• Strong overall technical background.
• Advanced project management skills.

Certifications*

• Salesforce Administrator Certification
• nCino Administrator Certification

*Note: Must be obtained within 12 months in role or 6 months from completion of training program & timeline approved by the Bank. nCino Administrator Certification: Must be obtained within 12 months in role.

Experience Required:

Required:

• 1-3 years of experience in an enterprise IT role or technical related role.

Desired:

• Experience with a commercial loan origination process.
• Experience with Apex programming language.
• Experience with Visualforce development.
• Experience with other report writing software.
• 1-3 years of experience with Microsoft SharePoint administration.

Avidbank is a $2.1 billion commercial bank based in Silicon Valley serving the San Francisco Bay Area and beyond. 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, 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.

San Jose location preferred. The AVP Portfolio Manager is 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.

Essential Functions and Basic Duties:

• Negotiates, underwrites and coordinates the closing of Specialty Finance credit products in compliance with the Bank's lending policies and procedures.
• Promotes business for the Bank by maintaining good client relationships.
• Assists Business Development Officers and Relationship Managers in interviewing prospective applicants and requests specified information related to loan or credit applications; corresponds or re-interviews applicants to resolve questions regarding application information.
• Helps mentor 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.
• Ensures that credit inquiries 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 along with Business Development Officer or Relationship Manager, underwrites and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• 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.
• Ability to manage complex credits and client relationships.
• Background in leveraged finance a plus.
• Results driven.
• Thrives in a dynamic environment and has a 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.
• Team player.

Experience Required:

This level of knowledge is normally acquired through a Bachelor's degree along with at least 4+ years of experience.

Qualified candidates with equivalent experience should apply.

Avidbank is a $2.1 billion commercial bank based in Silicon Valley serving the San Francisco Bay Area and beyond. 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, 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 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 will assist with the management sales and service efforts to ensure retention of existing relationships and growth of new relationships.

Essential Functions and Basic Duties:

• Develops and manages a significant and dynamic loan and deposit portfolio for the Bank specializing in serving businesses.
• Develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring clients to appropriate staff for new services.
• Interviews prospective applicants and requests specified information related to loan or credit applications; corresponds or re-interviews applicants to resolve questions regarding application information.
• Analyzes potential loan markets to develop new prospects.
• Develops business relationships and business referral sources.
• 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.
• Solicits, negotiates, underwrites, and coordinates the closing of business loans in compliance with the Bank's lending policies and procedures.
• 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.
• Conducts relevant due diligence interviews or calls with venture capital and Private Equity investors, as needed.
• Ensures that credit inquiries 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.
• Reviews monthly financial reporting, borrowing bases, and compliance certificates to assess compliance with credit agreements.
• Reviews NSF and overdraft reports for clients assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Assists management in ensuring 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, products and services.

Qualifications and Desired Skills:

• Thorough understanding of financial services and banking products.
• Strong underwriting and portfolio management skills.
• Experience with Cash Flow Lending and Sponsor transactions.
• Ability to manage complex credits and client relationships.
• Results driven.
• Thrives in a dynamic environment and has a 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.

The fast growing and dynamic Avidbank Venture Lending team is focused on providing lending and banking services for early and growth stage, venture capital backed, innovation companies nationwide. The Credit Analyst or Senior Credit Analyst is responsible for spreading, managing and maintaining financial background information on present and prospective clients, and assists with underwriting analysis for the Relationship Managers. Position includes managing spread assignments, making financial analyses, and maintaining related records and files.

Essential Functions and Basic Duties:

• Analyzes credit and collateral information to determine risk involved in lending money to clients.
• Collects, organizes, analyzes company financials to ensure Bank compliance, and updates the Bank’s systems accordingly.
• Works directly with clients to resolve compliance issues and operational inquiries.
• Reviews client financials and performs sensitivity analysis to evaluate credit risk in connection with Bank structures.
• Prepares in-depth reports providing plans of action based on qualitative and quantitative research.
• Collaborates cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents.
• Produces loan packages for new and restructured loans.
• Facilitates reporting and requests on behalf of the Bank with third parties, e.g., field auditors, appraisers, etc.
• Monitors loan disbursements to ensure compliance with Bank regulations.
• May conduct lien searches and other research.
• Performs other duties as assigned.

Qualifications and Desired Skills:

• Undergraduate degree 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.
• Familiar with financial analysis and development of spreadsheets.
• Good communication skills, both verbal and written.

Experience Required:

1 year of related experience for Credit Analyst or 2 or more years related experience for Senior Credit Analyst.

The CRE Loan Assistant (CRELA) manages, tracks, and archives all financial reporting compliance for the Commercial Real Estate Lending Division's clients in concordance with their Credit Authorization/Loan Documents; contacts clients for upcoming and past due reporting, or missing required items within their submissions; alerts Relationship Manager if reporting is delayed, or client becomes unresponsive; and updates all internal systems with reporting compliance. CRELA reports to the EPV on a regular basis to review progress on program implementation and assist with establishing improvements, revisions, and updates to the plan.

The CRELA is responsible for all elements of compliance as outlined in the Reporting section of the Credit Authorization to ensure all required reporting is accounted for in the portfolio tracker. CRELA is also responsible for coordinating and managing all other appropriate information for the portfolio reviews for the Commercial Real Estate Lending Division.

Essential Functions and Basic Duties:

• Monitor reporting compliance of all clients to ensure receipt of on-time submissions, reports still outstanding, and reporting covenant defaults.
• Archive all reporting compliance and email correspondence with clients.
• Update portfolio review and any other internal systems to monitor and track bi-monthly, monthly, quarterly, and annual reporting.
• Track reporting compliance variances for all clients within the group (i.e., changes to DCR covenant).
• Work closely with the Executive Vice President (EVP), Relationship Managers (RMs), and Credit Analysts (CAs) in overseeing reporting compliance agreements, policies, and procedures; report via email to RMs/CAs, alerts of default and other pertinent information.
• Understand 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 duties as assigned (i.e., spread existing companies' financials, follow up on reporting; contact clients for necessary compliance documentation, Term Loan Review preparation, Annual Loan and/or ACH/RDC Renewal Preparation; DCR Calculations, among other administrative duties as assigned).

Qualifications and Desired Skills:

• Responsive, Collaborative, and Accountable
• Attention to Detail
• Excellent Multi-tasking/Time Management, Sense of Urgency skills
• Great Organizational skills
• Ability to Report, Write/Prepare Reports as needed

Experience Required:

• Bachelor's degree or equivalent
• Administrative experience
• Loan Operations experience

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.