Sr. Credit Manager

At Cal Private Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it’s trust that defines who we are. It’s our gold standard, the currency we trade in, and the foundation of every decision we make.

We’re looking for leaders who want more than a title. We’re looking for team players who want to make an impact. If you’re driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, Cal Private Bank may be the place for you.

Your Opportunity:
Senior Credit Manager

The Senior Credit Manager plays a pivotal role in growing the loan portfolio in a prudent manner, structuring mutually beneficial loan solutions, and operational excellence leading the team of Credit Managers. The Senior Credit Manager leads the Bank’s Credit Management function, overseeing a team responsible for underwriting, structuring, and approving commercial loan transactions within delegated authority. This role ensures credit quality, production efficiency, and consistent application of credit standards across Commercial Real Estate (CRE), Commercial & Industrial (C&I), and SBA lending.

The Senior Credit Manager plays a central role in supporting loan origination, approval, closing, collateralization, and ongoing credit administration. The position also designs and administers the Bank’s credit training program to ensure strong credit competencies across lenders, analysts, and credit staff and reinforcing the Board’s and Chief Credit Officer’s (CCO) vision for exceptional credit quality, strategic growth, and operational efficiency.

The Senior Credit Manager acts as a mentor, technical expert, and solutionist—helping teams execute effectively, grow the loan portfolio, and efficiently mitigate transaction level risk within the commercial and SBA loan portfolios. This position also serves as a bridge between the Market Leaders, Relationship Managers, Client Service teammates and ensure alignment, communication, and progress toward the Bank’s strategic goals.

What You’ll Do

Commercial and SBA Loan Approval and Origination

• Lead credit approval activities related to CRE, C&I, and SBA segments to ensure credit quality, compliance, and growth objectives are met.
• Approve commercial loan transactions within delegated authority, ensuring compliance with policy, risk appetite, and regulatory expectations.
• Manage Credit Manager team and ensure an efficient and organized organization function.
• Guide credit managers and underwriters in analyzing borrower financials, cash flows, collateral, structure, and conditions for CRE, C&I, and SBA loan requests.
• Safeguard credit quality by providing direction on risk ratings, covenants, underwriting standards, and policy exceptions.
• Support lenders and credit managers in developing optimal loan structures that balance client needs, credit soundness, and bank profitability.
• Partner closely with loan operations, closing teams, and collateral departments to ensure accurate documentation, perfection of liens, and smooth loan closings.
• Review and resolve structural, documentation, or collateral-related issues throughout the approval and closing process.
• Collaborate with the CCO, loan committees, and senior leadership on complex or high-risk transactions.
• Collaborate with other department leaders with compiling recurring reports to monitor overall credit quality and development of the quarterly CECL calculation and supporting documentation.
• Partner with Client Services department to manage, monitor, and ensure timely payments, collections, and management of maturing loans.

Technology & Process Optimization

• Champion the use of technology (including nCino, CoStar, IBISWorld, portfolio analytics, and workflow tools) to increase efficiency, accuracy, and scalability.
• Partner with internal and third party technological and product teams for development and continuous improvement of portfolio management processes, credit workflows, and risk…