Credit Manager, Commercial Lending

About the role

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.

Responsibilities

• Reviews and approves loan recommendations submitted by loan officers.
• Ensures acceptable asset quality through a sound underwriting process of loans presented for approval.
• Maintains acceptable credit standards and ensures loans conform to established policy, procedures, and regulations for loan management.
• Oversees the management of the Bank’s criticized and classified loan portfolios.
• Makes regular portfolio reviews to ensure loans are risk graded appropriately.
• Recommends updates to the Loan Policy and periodically reviews and reevaluates its adequacy and effectiveness.
• Communicates and interprets lending policies to support lenders and credit managers in developing optimal loan structures.
• Manages and reports graded credits as required per policy; responsible for all collection and foreclosure activity.
• Manages team members as assigned.
• Prepares monthly and quarterly lending activity and portfolio condition reports as needed.
• Collaborates with other department leaders to compile recurring reports to monitor overall credit quality and develop the quarterly CECL calculation and supporting documentation.
• Champion the use of technology (including nCino, CoStar, IBISWorld, portfolio analytics, and workflow tools) to increase efficiency, accuracy, and scalability.
• Partners with internal and third-party technological and product teams for development and continuous improvement of portfolio management processes, credit workflows, and risk monitoring systems.
• Implements automation, reporting enhancements, and data-driven decision tools to support real-time portfolio insights.
• Ensures departmental procedures, templates, procedures, and processes are well documented, refreshed as needed, and changes communicated to all applicable parties with training delivered as needed.
• Supports development and refinement of credit policies, underwriting guidelines, and approval processes.
• Ensures uniform application of credit procedures and adherence to regulatory expectations.
• Contributes to reporting and analytics on credit pipeline, quality, turnaround times, and portfolio trends.
• Aids in internal audits, regulatory exams, and loan review engagements as needed.

Requirements

10+ years of progressive experience in lending, commercial credit, loan structuring, collateralization, loan processing, and leadership. Strong background in loan structuring, risk identification, cash flow analysis, collateral analysis, and problem loan resolution. Expertise with nCino, Co-Star, IBIS, and/or similar loan management platforms and analytical tools to streamline credit analysis, collateral analysis, and loan growth. Strong analytical, organizational, and communication skills, with the ability to influence and align across markets and departments. Bachelor’s degree in Business, Finance, or related field preferred.

Qualifications

Experience & Expertise:

• 10+ years of progressive experience in lending, commercial credit, loan structuring, collateralization, loan processing, and leadership.
• Strong background in loan structuring, risk identification, cash flow analysis, collateral analysis, and problem loan resolution.
• Expertise with nCino, Co-Star, IBIS, and/or similar loan management platforms and analytical tools to streamline credit analysis, collateral analysis, and loan growth.
• Strong analytical, organizational, and communication skills, with the ability to influence and align across markets and departments.
• Bachelor’s degree in Business, Finance, or related field preferred.

Skills

Experience & Expertise:

• 10+ years of progressive experience in lending, commercial credit, loan structuring, collateralization, loan processing, and leadership.
• Strong background in loan structuring, risk identification, cash flow analysis, collateral analysis, and problem loan resolution.
• Expertise with nCino, Co-Star, IBIS, and/or similar loan management platforms and analytical tools to streamline credit analysis, collateral analysis, and loan growth.
• Strong analytical, organizational, and communication skills, with the ability to influence and align across markets and departments.
• Bachelor’s degree in Business, Finance, or related field preferred.

Benefits

CalPrivate Bank offers competitive benefits including health insurance, retirement plans, paid time off, and more. We are committed to fostering a supportive and inclusive workplace where employees can thrive and grow.

Pay

Competitive compensation package commensurate with experience.

Schedule

Full-time position with flexible hours to accommodate business needs.

Company Culture

We are guided by our commitment to relationships, solutions, and trust. Our team embodies professionalism, calm under pressure, and a solutions-oriented mindset. We value transparency, follow-through, and a client-first perspective. Join us in building a team that reflects these values and makes a meaningful impact in the communities we serve.