CalPrivate Bank · 1 month ago
Sr. Credit Manager
Newport Beach, CA
Full-time
Onsite
Senior Level, Lead/Staff
$179K/yr - $232K/yr
15+ years expCalPrivate Bank is a relationship-centered bank committed to personal banking and community service. They are seeking a Senior Credit Manager to lead the Bank’s Credit Management function, oversee a team responsible for underwriting and approving commercial loan transactions, and ensure credit quality and operational excellence.
BankingCommercial LendingFinanceFinancial Services
Responsibilities
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
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 and adherence to regulatory expectations
Contribute to reporting and analytics on credit pipeline, quality, turnaround times, and portfolio trends
Assist with internal audits, regulatory exams, and loan review engagements as needed
Deliver structured onboarding, working with new hires to guide them through CalPrivate systems, processes, and forms, fostering confidence and consistency
Provide structured coaching and personalized feedback to reinforce accountability, high quality and risk focused analysis, and a production-oriented culture
Establish and maintain performance standards for each member of the Portfolio Management team
Collaborate within and cross departmentally to ensure processes and procedure development incorporates consideration of other team members and departments
Promote a culture of accountability, teamwork, and continuous improvement across all banking markets
Design, implement, and administer a comprehensive credit training program for credit managers, underwriters, lenders, and analysts
Develop curriculum covering financial analysis, risk rating, cash-flow lending, deal structuring, regulatory requirements, and portfolio risk principles
Drive continuous skill development and competency assessment across the credit organization
Ensure training supports consistent application of underwriting and risk assessment standards
Qualification
Required
15+ years of progressive experience in lending, commercial credit, loan structuring, collateralization, loan processing, and leadership
10+ years in a management or coaching role, with proven ability to grow loans safely, drive efficiencies, and promote accountability while developing high-performing teams
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
Proven success in reinforcing a disciplined, performance-driven credit culture
Preferred
Bachelor's degree in Business, Finance, or related field preferred
Company
CalPrivate Bank
CalPrivate Bank is a banking company. It is a sub-organization of Private Bancorp of America.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Rick Sowers
President & Chief Executive Officer
Tom Wornham
Director - Retired Chief Executive Officer
Recent News
Private Bancorp of America, Inc.
2025-11-04
2025-11-04
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