This position provides assistance to the leader of the Construction Loan Department, back-up to the Loan Disbursements Specialist, and support to the department loan officers.

Essential Functions and Basic Duties:

• Provide assistance to the leader of the construction loan department.
• Provide back-up to Construction Loan Disbursements Specialist in processing construction loan advances in conformance with Bank' s policies and procedures and in maintaining complete and well organized records on same.
• Provide back-up to Construction Loan Disbursements Specialist in monitoring disbursement requests and inspection reports for signs of changes in risk and report.
• Manage and maintain loan files per established Bank procedures (including the supervision of conversion of prospect files to client files as well as up-loading of same to the FDM site).
• Provide support to the Real Estate Department loan officers in the processing of new loan requests and the management of existing loans and client relationships.
• Assist in oversee facilities and day-to-day office operations at the Redwood City office including:
  • Supply ordering.
  • Secondary contact on facilities issue in Redwood City.
  • Data entry, maintenance and reporting of all financial transactions for multiple business and project entities.
  • Maintains contract administration.
  • Prepares reconciliations for specified accounts.
• Assists management in insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act.
• Participates in the on-going computerization of the loan review function and file setup for Audits/Exams.
• Assists with loan closings, processing and coordination.
• Ensures approved loans are processed accurately and expeditiously according to the Bank and customer needs.
• Coordinate with the Title Companies as necessary, obtains required information and/or documentation from title company and clients (ex. insurance) to close on the loan in a timely manner.
• Responds to client queries and resolves routine problems related to processing and servicing of loans.
• May monitor loan disbursements and ensure they comply with bank requirements.
• Prepare monthly construction loan reports for manager.
• Assist with monitoring loans and determines when updates to documentation, e.g. financial statements, are required. 
• Assists loan officers in verification of funds with mortgage companies and contractors.
• Performs other duties as required.

Qualifications and Desired Skills:

• Working knowledge of business software (Word/Excel/Bank related systems).
• Knowledge of lending policies and general construction processes.
• Excellent customer service and communication skills. 

Experience Required:

Associates Degree preferred.

Minimum of 3 years’ experience in a financial institution, lending, real estate or related area.

Establish and achieve sales targets and promote various banking services to customers.

Essential Functions and Basic Duties:

• Develop a significant asset-based, factoring and deposit portfolio for the Bank specializing in technology lending.
• Build and maintain long-lasting business relationships through high-quality service, referrals, and community events.
• Solicit new business through participation in a variety of business development activities including attendance at community and non-profit organization meetings, meeting with clients and prospects to ascertain needs and develop creative banking solutions.
• Assist in meeting annual loan and deposit growth goals assigned by senior management; participate in various internal committees assigned by senior management.
• Provide leadership and training to less experienced officers and other staff members.
• Assist other officers in resolving inquiries and providing support to clients.
• 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.
• Perform other duties as assigned.

Qualifications and Desired Skills:

• Analyze and procure new and prospective opportunities in business.
• Ability to build and maintain existing relationships and contacts in and outside of the company.
• Possess effective communication skills to interact with diverse groups both verbal and written.

Experience Required:

• Bachelor’s degree related to finance or business.
• Minimum 5 years’ experience in a financial institution in a lending, business development, or related area.

This position assists 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:

• Position assists loan officers in performing loan underwriting and analysis of financial condition and risk of new and existing commercial real estate financing requests within framework of Bank credit culture and current economic and industry trends.
  1. Gathers financial and market data from customers and other sources.
  2. Prepares spreadsheets and analyzes financial information including property rent rolls, operating statements, financial statements and tax returns.
  3. Contacts customers for additional information and clarification of data.
• Supports loan officers in writing loan requests and proposals within Bank Policy, including presentation to Credit Administration.
• Assists in coordination/engagement of appraisal, environmental and title reports.
• Orders appropriate loan documents and assists in the coordination of loan closings.
• Promotes quality customer relations and refers customers to appropriate staff for new services.
• Monitors/manages existing loan portfolio for reporting compliance and appropriate credit risk ratings, including CRE term loan reviews.
• Assists loan officers in verification of funds with mortgage companies and contractors.
• 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.

Qualifications and Desired Skills:

• Possess basic computer skills (Word/Excel/Bank related systems, etc.), knowledge of lending policies and general commercial real estate knowledge.
• Ability to work independently, multi-task, communicate well and be responsive in order to meet all deadlines.
• Assists in development of more junior credit analysts.
• Perform other related duties as required.

Experience Required:

• Bachelor’s degree preferred.
• Minimum of three years’ experience in a financial institution in a financial, lending, credit analysis or related area.
• Commercial Real Estate underwriting experience preferred

The Loan Operations/Disbursement Specialist role is to assist our Construction Loan Officers/Managers in gathering and analyzing Draw information on current and past draws.

Essential Functions and Basic Duties:

• Assist with managing construction loans: analyze draw request to ensure compliance with policies & procedures.
• Assist with the setup of client spreadsheet/disbursement files and if needed contact customers to arrange for orientation meeting with regards to the disbursement process.
• Set up folders and save all disbursements documents to include: Draw Request, Endorsements, Inspection Reports and Spreadsheet in the Shared Drive.
• Provide superior customer service in order to ensure client satisfaction.
• Process both routine and complex monetary and non-monetary transactions.
• Coordinate with title companies to research and verify titles and endorsements.
• Coordinate with insurance companies for required policies including: Course of Construction, General Liability and Worker's Compensation Insurance.
• Provide assistance to relationship managers regarding overdraft accounts and other tasks assigned.
• Participates in the on-going computerization of the loan review function and file setup for Audits/Exams.
• Performs other duties as required.

Qualifications and Desired Skills:

• Associate or Bachelor’s Degree in finance, accounting, business, or related field.
• Basic knowledge of commercial, construction, real estate and consumer loan processing. 
• Understanding of financial statements, tax returns and basic financial analysis.
• 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.
• Strong analytic and computer skills, interpersonal skills and organizational skills.
• Ability to effectively present information, verbally, and in writing. 

Experience Required:

Minimum of two years’ experience in a financial institution in an accounting/financial, lending, or related area. Real estate lending experience preferred.

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.

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.

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.