Avidbank · 6 hours ago
Senior Credit Analyst
San Jose, California, United States
Full-time
Hybrid
Mid, Senior Level
$75K/yr - $125K/yr
6+ years expAvidbank is a $2.3 billion commercial bank based in Silicon Valley serving the San Francisco Bay area and beyond. The Senior Credit Analyst plays a critical role in supporting the Commercial Real Estate Lending team by providing advanced credit analysis and risk assessment for current and prospective borrowers, ensuring adherence to credit policies and regulatory requirements.
FinanceFinancial ServicesFinTechReal Estate
Responsibilities
Analyze commercial real estate credit requests to evaluate borrower creditworthiness, risk rating, loan structure, collateral adequacy, and repayment sources
Perform comprehensive financial analysis of borrowers and guarantors, including review of financial statements, tax returns, rent rolls, operating statements, and property‑level performance
Prepare complete and well‑documented credit approval packages for submission to Credit Officers and loan committees, including clear risk assessments and recommendations
Ensure all credit requests comply with Bank credit policy, underwriting standards, and applicable regulatory requirements
Assess borrower credit history, management experience, and overall strengths and weaknesses impacting credit decisions
Partner closely with the team to maintain accurate, current, and regulatory‑compliant credit files; participate in client meetings and property inspections as necessary
Request, review, and track required borrower financial information and third‑party due diligence materials
Monitor ongoing financial performance and covenant compliance across the commercial real estate loan portfolio
Support loan structures, renewals, extensions, modifications, and portfolio management activities. Participate in loan committee meetings and contribute to credit discussions and risk evaluations
Provide analytical support for deal screening, transaction due diligence, and financial modeling related to CRE lending activities
Perform general administrative and documentation duties, including file maintenance, document scanning, data entry, and reporting support
Qualification
Required
Undergraduate degree
Strong attention to detail and intellectual curiosity
Strong understanding of Microsoft Office including Excel, Word, PowerPoint, Salesforce, etc
Ability to take ownership of simultaneous assignments and produce results in time-sensitive circumstances
Ability to work collaboratively with members of the deal team and with third party constituencies
Ability to analyze data to support and improve business decisions
6+ years related experience in commercial banking
Degree with emphasis on finance, accounting, economics, mathematics, or technical field
Interest or experience in commercial real estate finance, development, investing
Benefits
Competitive compensation
Medical
Dental
Vision
Life insurance
Long term disability insurance
401k with matching
Paid holidays
Competitive paid time off policy
Company
Avidbank
Avidbank specializes in commercial, industrial, corporate finance, real estate construction, and bridge financing.
51-200 employees
Funding
Current Stage
Public CompanyTotal Funding
$58.01M2019-12-23Post Ipo Equity· $22M
2017-07-13Post Ipo Equity· $20.01M
2013-08-06Post Ipo Equity· $16M
Leadership Team
Ken Brenner
Board Member and Head of Strategic Relationships (previously held position of President and CEO)
Mark Mordell
Chairman & CEO
Recent News
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