Avidbank

Manager

• 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 customer relationships.
• The Portfolio Manager will also work to train and mentor junior staff as appropriate.
• 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 mentor and coach junior team members with respect to underwriting and portfolio management.
• Analyze markets 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 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.
• 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 customers 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
• Performs other duties as assigned.

Portfolio Manager

Analyst

• Analyze commercial real estate credit requests to evaluate borrower creditworthiness, risk rating, loan structure, collateral adequacy, and repayment sources.
• Perform comprehensive financial analysis of borrowers and guarantors, including review of financial statements, tax returns, rent rolls, operating statements, and property‑level performance.
• Prepare complete and well‑documented credit approval packages for submission to Credit Officers and loan committees, including clear risk assessments and recommendations.
• Ensure all credit requests comply with Bank credit policy, underwriting standards, and applicable regulatory requirements.
• Assess borrower credit history, management experience, and overall strengths and weaknesses impacting credit decisions.
• Partner closely with the team to maintain accurate, current, and regulatory‑compliant credit files; participate in client meetings and property inspections as necessary.
• Request, review, and track required borrower financial information and third‑party due diligence materials.
• Monitor ongoing financial performance and covenant compliance across the commercial real estate loan portfolio.
• Support loan structures, renewals, extensions, modifications, and portfolio management activities.
• Participate in loan committee meetings and contribute to credit discussions and risk evaluations.
• Provide analytical support for deal screening, transaction due diligence, and financial modeling related to CRE lending activities.
• Perform general administrative and documentation duties, including file maintenance, document scanning, data entry, and reporting support.

Senior Credit Analyst

Vice President

• Deliver Avidbank’s deposit products to new and existing client segments
• Drive the growth of deposits for the bank with the Treasury Management team
• Develop distinctive deposit products and support models for excellent customer service
• Ensure compliance with policies, processes, and internal controls
• Maintain knowledge of competitors' products and technologies
• Present revenue forecasts during financial planning processes

SVP, Specialty Deposits Banker

• Position assists sponsor finance lending function by gathering and analyzing credit information on current and potential borrowers and determining credit risk for diversified types of loans.
• Assists loan officers in writing loan requests and proposals.
• Promotes quality customer relations and refers customers to appropriate staff for new services.
• Gathers data from customers and other sources.
• Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
• Contacts customers for additional information and clarification of data.
• Verifies pledged assets.
• Compiles data from credit bureaus, conducts industry peer comparisons, performs cash flow analyses and other related tasks.
• Makes recommendations on loan structures and terms to loan officers.

Credit Analyst

• Develop and maintain pricing structures for TMS products
• Set strategy for Earnings Credit Rate (ECR) programs
• Conduct competitive benchmarking of TMS fees/rates
• Provide dashboards and scorecards for leadership
• Partner with Finance and TM to forecast revenue impacts
• Design targeted repricing programs
• Recommend pricing governance policies covering approvals
• Oversee billing accuracy and exception remediation
• Collaborate with Product & Operations on pricing throughout product lifecycle
• Enable TM with pricing playbooks, guardrails, ROI calculators, and deal structures

Portfolio Manager

Senior Credit Analyst

SVP, Specialty Deposits Banker

Credit Analyst

VP Product Pricing and Analytics