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Home › Companies › A929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001 › Sr. Credit Administrator

Sr. Credit Administrator

A929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001 · Newport Beach, CA, US, Newport Beach, CA; El Segundo, CA, US, El Segundo, CA; Beverly Hills, CA, US, Beverly Hills, CA · Deleted · $179,109–$280,000 / year · ADP Workforce Now Recruiting

Job facts

FieldValue
CompanyA929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001
TitleSr. Credit Administrator
Normalized title-
Department / team-
LocationNewport Beach, CA, United States
Work model-
Employment typeFull Time
Salary$179,109–$280,000 / year
Statusdeleted
ATS providerADP Workforce Now Recruiting
Posted / first seen2026-06-01 / 2026-06-03
Changed / last seen2026-06-05 / 2026-06-03

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City jobsActive postings in Newport Beach.Open
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Linked records

CompanyA929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001
Source83e6fded-ac5a-46a1-aa79-fce6df37aa80
ATS providerADP Workforce Now Recruiting

Description

The Role: SVP, Senior Credit Administrator The Location: Los Angeles, Orange County or San Diego County, California Reports To: Chief Credit Officer Make a Difference Where It Matters Most At CalPrivate 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, CalPrivate Bank may be the place for you. Your Opportunity: Senior Credit Administrator The Senior Credit Manager plays a pivotal role in growing the loan portfolio in a prudent manner, structuring mutually beneficial loan solutions, and operational excellence leading the team of Credit Managers. The Senior Credit Manager leads the Bank’s Credit Management function, overseeing a team responsible for underwriting, structuring, and approving commercial loan transactions within delegated authority. 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 Senior Credit Manager plays a central role in supporting loan origination, approval, closing, collateralization, and ongoing credit administration. The position also designs and administers 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 Senior Credit Manager acts as a mentor, technical expert, and solutionist—helping teams execute effectively, 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 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. 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 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. Leadership, Development, and Accountability 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. Who You Are Experience & Expertise 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. Bachelor’s degree in Business, Finance, or related field preferred. Mindset & Values You lead with accountability, integrity, and consistency. You thrive in a collaborative environment where transparency and follow-through matter. You model professionalism, calm under pressure, and a solutions-oriented mindset. You embrace data-driven decision-making while maintaining a client-first perspective. You embody CalPrivate’s culture, heart for client experience, excellence in service, and deep commitment to the Bank and its people. Physical Demands Requires 50% travel between regional offices to support team members, clients, and cross-functional initiatives. Ability to sit or stand for extended periods of time. Ability to physically use a keyboard/mouse Ability to walk to and from workstations Ability to frequently lift and/or move up to 10lbs and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus Why CalPrivate Bank? This isn’t just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don’t just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. We are guided by our commitment to relationships, solutions, and trust. And we’re building a team of people who reflect those values in everything they do. If you’re looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?

Full job record

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TitleSr. Credit Administrator
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Last Seen At2026-06-03 09:38:18Z
Last Checked At2026-06-05 03:05:58Z
Last Changed At2026-06-05 03:05:58Z
Inactive At2026-06-05 03:05:58Z
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\" style=\"width: 300px;\" class=\"fr-fic fr-dib\"></p><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:normal;font-size:16px;font-family:\"Aptos\",sans-serif;' data-pasted=\"true\"><span style=\"font-size:13px;color:#0E2841;\">The Role: SVP, Senior Credit Administrator&nbsp;</span></p><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:normal;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style=\"font-size:13px;color:#0E2841;\">The Location: Los Angeles, Orange County or San Diego County, California&nbsp;</span></p><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:normal;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style=\"font-size:13px;color:#0E2841;\">Reports To: Chief Credit Officer</span></p><p><br></p><table border=\"1\" cellspacing=\"0\" cellpadding=\"0\" width=\"612\" style=\"width:458.7pt;margin-left:4.5pt;border-collapse:collapse;border:none;\" data-pasted=\"true\"><tbody><tr><td valign=\"top\" style=\"width: 100%; border-width: 1pt 1pt 2.25pt; border-style: none none solid; border-color: rgb(219, 219, 219) rgb(219, 219, 219) rgb(0, 60, 100); border-image: initial; padding: 4.5pt; vertical-align: top;\"><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:  6.0pt;margin-left:0in;line-height:52%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='font-size:17px;line-height:52%;font-family:\"Helvetica World\";color:#BC9B32;'>Make a Difference Where It Matters Most&nbsp;</span></p></td></tr></tbody></table><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:124%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='font-size:13px;line-height:124%;font-family:\"Helvetica World\";color:#003C64;'>At CalPrivate 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&rsquo;s trust that defines who we are. It&#39;s our gold standard, the currency we trade in, and the foundation of every decision we make.
<br>&nbsp; 
<br>&nbsp;We&rsquo;re looking for leaders who want more than a title. We&rsquo;re looking for team players who want to make an impact. If you&#39;re driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you.&nbsp;</span></p><table border=\"1\" cellspacing=\"0\" cellpadding=\"0\" width=\"605\" style=\"width:453.5pt;margin-left:4.5pt;border-collapse:collapse;border:none;\"><tbody><tr><td valign=\"top\" style=\"width: 100%; border-width: 1pt 1pt 2.25pt; border-style: none none solid; border-color: rgb(219, 219, 219) rgb(219, 219, 219) rgb(0, 60, 100); border-image: initial; padding: 9pt; height: 26.1pt; vertical-align: top;\"><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:  6.0pt;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='font-size:17px;line-height:140%;font-family:\"Helvetica World\";color:#BC9B32;'>Your Opportunity: Senior Credit Administrator&nbsp;</span></p></td></tr></tbody></table><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='font-size:13px;line-height:140%;font-family:\"Helvetica World\";color:#003C64;'>The Senior Credit Manager plays a pivotal role in growing the loan portfolio in a prudent manner, structuring mutually beneficial loan solutions, and operational excellence leading the team of Credit Managers. &nbsp;The Senior Credit Manager leads the Bank&rsquo;s Credit Management function, overseeing a team responsible for underwriting, structuring, and approving commercial loan transactions within delegated authority. This role ensures credit quality, production efficiency, and consistent application of credit standards across Commercial Real Estate (CRE), Commercial &amp; Industrial (C&amp;I), and SBA lending.</span></p><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='font-size:13px;line-height:140%;font-family:\"Helvetica World\";color:#003C64;'>The Senior Credit Manager plays a central role in supporting loan origination, approval, closing, collateralization, and ongoing credit administration. The position also designs and administers the Bank&rsquo;s credit training program to ensure strong credit competencies across lenders, analysts, and credit staff and reinforcing the Board&rsquo;s and Chief Credit Officer&rsquo;s (CCO) vision for exceptional credit quality, strategic growth, and operational efficiency.<br>&nbsp;<br>&nbsp;The Senior Credit Manager acts as a mentor, technical expert, and solutionist&mdash;helping teams execute effectively, 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&rsquo;s strategic goals. &nbsp;&nbsp;</span></p><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;'><strong><span style='font-size:20px;line-height:140%;font-family:\"Helvetica World Bold\";color:#BC9B32;'>What You&rsquo;ll Do&nbsp;</span></strong></p><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'><strong><span style='font-size:13px;line-height:140%;font-family:\"Helvetica World Bold\";color:#003C64;'>Commercial and SBA Loan Approval and Origination&nbsp;</span></strong></p><div style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><ul style=\"margin-bottom:0in;list-style-type: disc;margin-left: 10px;\"><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Lead credit approval activities related to CRE, C&amp;I, and SBA segments to ensure credit quality, compliance, and growth objectives are met.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Approve commercial loan transactions within delegated authority, ensuring compliance with policy, risk appetite, and regulatory expectations.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Manage Credit Manager team and ensure an efficient and organized organization function.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Guide credit managers and underwriters in analyzing borrower financials, cash flows, collateral, structure, and conditions for CRE, C&amp;I, and SBA loan requests.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Safeguard credit quality by providing direction on risk ratings, covenants, underwriting standards, and policy exceptions.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Support lenders and credit managers in developing optimal loan structures that balance client needs, credit soundness, and bank profitability.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Partner closely with loan operations, closing teams, and collateral departments to ensure accurate documentation, perfection of liens, and smooth loan closings.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Review and resolve structural, documentation, or collateral-related issues throughout the approval and closing process.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Collaborate with the CCO, loan committees, and senior leadership on complex or high-risk transactions.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Collaborate with other department leaders with compiling recurring reports to monitor overall credit quality and development of the quarterly CECL calculation and supporting documentation.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Partner with Client Services department to manage, monitor, and ensure timely payments, collections, and management of maturing loans.</span></li></ul></div><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:20.0pt;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'><span style='font-size:13px;line-height:140%;font-family:\"Helvetica World\";color:#003C64;'>&nbsp;</span></p><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:2.0pt;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'><strong><span style='font-size:13px;line-height:140%;font-family:\"Helvetica World Bold\";color:#003C64;'>Technology &amp; Process Optimization</span></strong></p><div style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><ul style=\"margin-bottom:0in;list-style-type: disc;margin-left: 10px;\"><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Champion the use of technology (including nCino, CoStar, IBISWorld, portfolio analytics, and workflow tools) to increase efficiency, accuracy, and scalability.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>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.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Implement automation, reporting enhancements, and data-driven decision tools to support real-time portfolio insights.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>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.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Support development and refinement of credit policies, underwriting guidelines, and approval processes.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ensure uniform application of credit procedures and adherence to regulatory expectations.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Contribute to reporting and analytics on credit pipeline, quality, turnaround times, and portfolio trends.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Assist with internal audits, regulatory exams, and loan review engagements as needed.</span></li></ul></div><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'><span style='font-size:13px;line-height:140%;font-family:\"Helvetica World\";color:#003C64;'>&nbsp;</span></p><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'>&nbsp;<span style='font-size:13px;line-height:140%;font-family:\"Helvetica World\";color:#003C64;'>&nbsp;</span><strong><span style='font-size:13px;line-height:140%;font-family:\"Helvetica World Bold\";color:#003C64;'>Leadership, Development, and Accountability </span></strong></p><div style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><ul style=\"margin-bottom:0in;list-style-type: disc;margin-left: -0.25in;\"><li style=\"list-style-type: none;\"><ul style=\"list-style-type: disc;\"><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Deliver structured onboarding, working with new hires to guide them through CalPrivate systems, processes, and forms, fostering confidence and consistency.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Provide structured coaching and personalized feedback to reinforce accountability, high quality and risk focused analysis, and a production-oriented culture.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Establish and maintain performance standards for each member of the Portfolio Management team.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Collaborate within and cross departmentally to ensure processes and procedure development incorporates consideration of other team members and departments</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Promote a culture of accountability, teamwork, and continuous improvement across all banking markets.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Design, implement, and administer a comprehensive credit training program for credit managers, underwriters, lenders, and analysts.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Develop curriculum covering financial analysis, risk rating, cash-flow lending, deal structuring, regulatory requirements, and portfolio risk principles.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Drive continuous skill development and competency assessment across the credit organization.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ensure training supports consistent application of underwriting and risk assessment standards.</span></li></ul></li></ul></div><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'>&nbsp;</p><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:75%;font-size:16px;font-family:\"Aptos\",sans-serif;'><strong><span style='font-size:20px;line-height:75%;font-family:\"Helvetica World Bold\";color:#BC9B32;'>Who You Are&nbsp;</span></strong></p><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:75%;font-size:16px;font-family:\"Aptos\",sans-serif;'><strong><em><span style='font-family:\"Helvetica World Bold Italics\";color:#BC9B32;'>Experience &amp; Expertise&nbsp;</span></em></strong></p><div style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><ul style=\"margin-bottom:0in;list-style-type: disc;margin-left: -0.25in;\"><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>15+ years of progressive experience in lending, commercial credit, loan structuring, collateralization, loan processing, and leadership.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>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.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Strong background in loan structuring, risk identification, cash flow analysis, collateral analysis, and problem loan resolution.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Expertise with nCino, Co-Star, IBIS, and/or similar loan management platforms and analytical tools to streamline credit analysis, collateral analysis, and loan growth.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Strong analytical, organizational, and communication skills, with the ability to influence and align across markets and departments.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Proven success in reinforcing a disciplined, performance-driven credit culture.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Bachelor&rsquo;s degree in Business, Finance, or related field preferred.</span></li></ul></div><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:75%;font-size:16px;font-family:\"Aptos\",sans-serif;'><strong><em><span style='font-family:\"Helvetica World Bold Italics\";color:#BC9B32;'>Mindset &amp; Values&nbsp;</span></em></strong></p><div style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><ul style=\"margin-bottom:0in;list-style-type: disc;margin-left: -0.25in;\"><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>You lead with accountability, integrity, and consistency.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>You thrive in a collaborative environment where transparency and follow-through matter.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>You model professionalism, calm under pressure, and a solutions-oriented mindset.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>You embrace data-driven decision-making while maintaining a client-first perspective.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>You embody CalPrivate&rsquo;s culture, heart for client experience, excellence in service, and deep commitment to the Bank and its people.</span></li></ul></div><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;'><strong><em><span style='font-family:\"Helvetica World Bold Italics\";color:#BC9B32;'>Physical Demands&nbsp;</span></em></strong></p><div style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><ul style=\"margin-bottom:0in;list-style-type: disc;margin-left: -0.25in;\"><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Requires 50% travel between regional offices to support team members, clients, and cross-functional initiatives.&nbsp;</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to sit or stand for extended periods of time.&nbsp;</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to physically use a keyboard/mouse&nbsp;</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to walk to and from workstations&nbsp;</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to frequently lift and/or move up to 10lbs and occasionally lift and/or move up to 50 pounds.</span></li><li style='margin-top:0in;margin-right:0in;margin-bottom:8.0pt;margin-left:0in;line-height:115%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Specific vision abilities required by this job include close vision and ability to adjust focus&nbsp;</span></li></ul></div><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'><span style=\"color:#003C64;\">&nbsp;</span></p><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'><span style=\"color:#003C64;\">&nbsp;</span></p><table border=\"1\" cellspacing=\"0\" cellpadding=\"0\" width=\"591\" style=\"width:443.4pt;margin-left:6.0pt;border-collapse:collapse;border:none;\"><tbody><tr><td valign=\"top\" style=\"width: 100%; border-width: 1pt 1pt 2.25pt; border-style: none none solid; border-color: rgb(219, 219, 219) rgb(219, 219, 219) rgb(0, 60, 100); border-image: initial; padding: 6pt; vertical-align: top;\"><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:  6.0pt;margin-left:0in;line-height:140%;font-size:16px;font-family:\"Aptos\",sans-serif;'><strong><span style='font-size:20px;line-height:140%;font-family:\"Helvetica World Bold\";color:#BC9B32;'>Why CalPrivate Bank?&nbsp;</span></strong></p></td></tr></tbody></table><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:124%;font-size:16px;font-family:\"Aptos\",sans-serif;text-align:justify;'><span style='font-size:13px;line-height:124%;font-family:\"Helvetica World\";color:#003C64;'>This isn&rsquo;t just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don&rsquo;t just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. &nbsp;We are guided by our commitment to relationships, solutions, and trust. And we&rsquo;re building a team of people who reflect those values in everything they do.&nbsp;</span></p><p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;line-height:124%;font-size:16px;font-family:\"Aptos\",sans-serif;'><span style='font-size:13px;line-height:124%;font-family:\"Helvetica World\";color:#003C64;'>If you&rsquo;re looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! &nbsp; Ready to lead with purpose? &nbsp;</span></p><p><br></p></div></div></div></div></div></div>\n",
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