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 Credit Manager plays a pivotal role in growing the loan portfolio in a prudent manner, structuring mutually beneficial loan solutions, and operational excellence as a member of the credit team. 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 Credit Manager plays a central role in supporting loan origination, approval, closing, collateralization, and ongoing credit administration. The position also supports 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 Credit Manager actively helps 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

• Reviews and approves loan recommendations submitted by loan officers.
• Ensures acceptable asset quality through a sound underwriting process of loans presented for approval.
• Ensures acceptable credit standards are maintained and that loans conform to established policy, procedures and regulations for loan management; oversees the management of the Bank’s criticized and classified loan portfolios; monitor loan repayment activities and take necessary action to collect from past-due accounts
• Monitors the regional lending portfolio to ensure loans are risk graded appropriately through regular portfolio reviews.
• Recommends updates to the Loan Policy. Periodically review and reevaluate its adequacy and effectiveness. Communicate and interpret lending policies.
• Support lenders and credit managers in developing optimal loan structures that balance client needs, credit soundness, and bank profitability.
• Manages and report graded credits as required per policy; responsible for all collection and foreclosure activity.
• Manages team members as assigned.
• Prepare monthly and quarterly lending activity and portfolio condition reports as needed. Collaborate with other department leaders with compiling recurring reports to monitor overall credit quality and development of the quarterly CECL calculation and supporting documentation.

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 monitoring systems.
• Implement automation, reporting enhancements, and data-driven decision tools to support real-time portfolio insights.
• Ensure departmental procedures, templates, procedures, and processes are well documented, refreshed as needed, and changes communicated to all applicable parties with training delivered as needed.
• Support development and refinement of credit policies, underwriting guidelines, and approval processes.
• Ensure uniform application of credit procedures…