Avidbank is a $2.3 billion commercial bank based in Silicon Valley serving the San Francisco Bay area and beyond.  We are a highly responsive business bank, providing tailored financial solutions. We are advocates for our clients and specialize in providing innovative banking products and supportive services that exceed our clients’ expectations. Founded in 2003, we specialize in commercial & industrial lending, technology and asset-based lending, specialty finance, real estate construction and commercial real estate lending. We have one branch in San Jose along with loan production offices in Redwood City and San Francisco.   Title of position: Relationship Manager Position type: Full-time Pay range: $105,000 - $160,000 Division: Specialty Finance Work Location Type: Office Hybrid Location: San Francisco Bay Area   The Role The AVP, Relationship Manager is responsible for managing an portfolio of clients and developing good business relationships that lead to loans, deposits and other banking products offered by the Bank. The Relationship Manager will assist with the management sales and service efforts to ensure retention of existing relationships and growth of new relationships; including tapping into their own professional network. The corporate title associated with this position is flexible and will be determined based on the candidate’s experience, skills, and depth of expertise, as well as the scope of responsibilities assumed.    Job Responsibilities * Develops and manages a significant and dynamic loan and deposit portfolio for the Bank specializing in serving businesses. * Develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. * Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. * Analyzes potential loan markets to develop new prospects. * Develops business relationships and business referral sources. * Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. * Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions. * Solicits, negotiates, underwrites and coordinates the closing of business loans in compliance with the Bank’s lending policies and procedures. * Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements. * Conducts relevant due diligence interviews or calls with venture capital and Private Equity investors, as needed. * Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. * Ensures that certification or deletion of collateral is made by the appropriate personnel. * Negotiates, underwrites and processes renewals of credit facilities. * Approves loan payments, draws from lines of credit, and fund transfers within specified limits. * Reviews Monthly financial reporting, borrowing bases, and compliance certificates to assess compliance with credit agreements. * Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits * Assists management in insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act. * May represent the bank in community or civic functions to promote Bank image and bank products and services.   This position description is not intended to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee. Duties, responsibilities and activities may change, or new ones may be assigned at any time, with or without notice.   Qualifications   * Thorough understanding of financial services and banking products * Strong underwriting and portfolio management skills * Results driven. * Financial modeling experience and comfort * Ability to manage complex credits and client relationships * Background in cash flow lending for sponsor-backed borrowers a plus * Thrives in a dynamic and remote work environment * Skilled communicator (written and verbal) * Strong ability to lead and motivate junior staff * Ability to interpret financial data and reports and when necessary, recommend appropriate actions * Ensures absolute confidentiality in all areas of responsibility * Pro-active attitude and resourcefulness   Experience Required   This level of knowledge is normally acquired through a Bachelor's degree along with at least 3-4 years of experience.  Experience in asset-based and cash flow lending products. Qualified candidates with equivalent experience should apply. Benefits Avidbank offers full time employees’ competitive compensation, medical, dental, vision, life insurance, long term disability insurance, 401k with matching, paid holidays and a competitive paid time off policy.   The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. It is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case.   Avidbank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. We are an AA/EEO/Veterans/Disabled employer.