Avidbank

Risk

• Avidbank is seeking a seasoned, strategic risk leader to serve as Senior Vice President, Enterprise Risk Management Officer.
• Reporting to the Chief Operating Officer, this role leads the continued development and execution of the Bank’s enterprise risk management program and provides independent, forward-looking oversight of the Bank’s aggregate risk profile.
• The Enterprise Risk Management Officer is responsible for strengthening the Bank’s risk governance framework, risk appetite framework, enterprise risk reporting, and second-line oversight capabilities.
• This leader will ensure material risks are identified, assessed, monitored, controlled, and escalated in a timely and practical manner across the organization.
• This is a high-impact leadership role with regular interaction with Executive Management, the Risk Oversight Committee, the Audit Committee, and the Board of Directors.
• The ideal candidate will bring strong commercial banking judgment, regulatory credibility, executive presence, and the ability to provide independent challenge while partnering constructively with business and functional leaders.
• Own and mature the risk appetite framework, including metrics, thresholds, escalation protocols, breach reporting, management actions, and periodic refreshes for Board and committee review.
• Strengthen enterprise risk governance through effective committee structures, clear escalation practices, disciplined issue management, and documentation of key risk decisions and accountabilities.
• Prepare and coordinate Risk Oversight Committee materials, including agendas, enterprise risk reporting packages, supporting analysis, meeting minutes, and follow-up action tracking.
• Deliver concise, actionable enterprise risk reporting to Executive Management, the Risk Oversight Committee, the Audit Committee, and the Board, including risk trends, concentrations, emerging risks, appetite breaches, and remediation progress.
• Develop and oversee the Bank’s risk and control self-assessment program to support consistent identification, evaluation, monitoring, and reporting of key risks and control effectiveness across the organization.
• Provide second-line oversight of core risk disciplines, including operational risk, model risk, third-party risk, new product and change risk, compliance risk, and other enterprise risk areas in partnership with functional leaders.
• Provide independent risk review and effective challenge for strategic initiatives, business plans, product proposals, outsourcing arrangements, technology changes, and other material management decisions.
• Partner with regulators, internal audit, executive leadership, and business owners to support examinations, audits, remediation efforts, control enhancements, and continuous improvement of the risk and control environment.
• Promote a strong risk culture and lead, develop, and retain a high-performing risk team capable of supporting the Bank’s strategic priorities and increasing complexity.

SVP, Enterprise Risk Management Officer

Analyst

• Underwrites and coordinates the closing of Fund Finance credit products in compliance with the Bank’s lending policies and procedures.
• Reviews information, evaluates risk, and engages with clients, building relationships with appropriate stakeholders.
• Communicates internally to recommend and execute on responses to changing situations for clients / across the portfolio broadly.
• Ensures that portfolio management practices meet Avidbank standards.
• 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.
• Solves problems relative to processing and servicing of loans within the portfolio; prepares loan disbursements in accordance with agreements.
• Reviews quarterly financial reporting, borrowing bases, and compliance certificates to assess compliance with credit agreements.

Commercial Bank Fund Analyst

Manager

• 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.

SVP, Enterprise Risk Management Officer

Commercial Bank Fund Analyst

Portfolio Manager