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Home › Companies › A929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001 › Credit Manager, Commercial Lending

Credit Manager, Commercial Lending

A929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001 · Beverly Hills, CA, US, Beverly Hills, CA · Active · $158,000–$195,000 / year · ADP Workforce Now Recruiting

Job facts

FieldValue
CompanyA929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001
TitleCredit Manager, Commercial Lending
Normalized title-
Department / team-
LocationBeverly Hills, CA, United States
Work model-
Employment typeFull Time
Salary$158,000–$195,000 / year
Statusactive
ATS providerADP Workforce Now Recruiting
Posted / first seen2026-05-21 / 2026-05-31
Changed / last seen2026-06-06 / 2026-06-06

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Company jobsActive postings from A929e1bc Abab 4b3c 8606 9c48f1a10926 19000101 000001.Open
Company breakdownsRole, location, ATS, and work model facets for this company.Open
ATS provider jobsActive postings observed through ADP Workforce Now Recruiting.Open
Provider filtered searchThe same provider as a filtered job collection.Open
City jobsActive postings in Beverly Hills.Open
Lifecycle eventsOpen, update, close, and reopen events for this posting.Open
Original postingCanonical source or apply URL captured from the ATS.Open

Linked records

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

Description

The Role: SVP, Credit Manager The Location: Beverly Hills, California Reports To: EVP, 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: Credit Manager 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. The Credit Manager plays a central role in supporting loan origination, approval, closing, collateralization, and ongoing credit administration. The position also supports 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 Credit Manager actively helps 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 Reviews and approves loan recommendations submitted by loan officers. Ensures acceptable asset quality through a sound underwriting process of loans presented for approval. Ensures acceptable credit standards are maintained and that loans conform to established policy, procedures and regulations for loan management; oversees the management of the Bank’s criticized and classified loan portfolios; monitor loan repayment activities and take necessary action to collect from past-due accounts Monitors the regional lending portfolio to ensure loans are risk graded appropriately through regular portfolio reviews. Recommends updates to the Loan Policy. Periodically review and reevaluate its adequacy and effectiveness. Communicate and interpret lending policies. Support lenders and credit managers in developing optimal loan structures that balance client needs, credit soundness, and bank profitability. Manages and report graded credits as required per policy; responsible for all collection and foreclosure activity. Manages team members as assigned. Prepare monthly and quarterly lending activity and portfolio condition reports as needed. Collaborate with other department leaders with compiling recurring reports to monitor overall credit quality and development of the quarterly CECL calculation and supporting documentation. 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 Demonstrates passion and enthusiasm for an organization’s vision and motivates, leads and empowers others to achieve organizational goals; Demonstrates an intellectual and professional leadership style that supports the attainment of mutual respect. Ability to establish and encourage positive working relationships with key stakeholders; Ability to influence or persuade others to gain acceptance or agreement of ideas and approaches. Ability to formulate strategies and policies, and create new approaches in adverse situations; Ability to take a broad based view of issues and events, and have an understanding of their long-term impact or wider implications; Ability to translate strategies into strategic an operational activities. Ability to assimilate complex issues and use appropriate communication strategies to influence wide and diverse audiences; Ability to actively listen, seek information and ask questions to ensure the understanding of underlying concerns of others; Is resilient, remains calm and deliberate under conditions of stress; Maintains a positive presence which commands respect from staff members and stakeholders. Who You Are 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. 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 May require some 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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TitleCredit Manager, Commercial Lending
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Last Seen At2026-06-06 13:16:24Z
Last Checked At2026-06-06 13:16:24Z
Last Changed At2026-06-06 13:16:24Z
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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, Credit Manager&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: Beverly Hills, 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: EVP, Chief Credit Officer</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;'><br></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;'><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; background: white; 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; background: white; padding: 9pt; 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: Credit Manager&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 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 &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 Credit Manager plays a central role in supporting loan origination, approval, closing, collateralization, and ongoing credit administration. The position also supports 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 Credit Manager actively helps 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;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Reviews and approves loan recommendations submitted by loan officers.</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ensures acceptable asset quality through a sound underwriting process of loans presented for approval.&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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ensures acceptable credit standards are maintained and that loans conform to established policy, procedures and regulations for loan management; oversees the management of the Bank&rsquo;s criticized and classified loan portfolios; monitor loan repayment activities and take necessary action to collect from past-due accounts</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Monitors the regional lending portfolio to ensure loans are risk graded appropriately through regular portfolio reviews.</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Recommends updates to the Loan Policy. Periodically review and reevaluate its adequacy and effectiveness. Communicate and interpret lending policies.</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: initial;\"><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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Manages and report graded credits as required per policy; responsible for all collection and foreclosure activity.</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Manages team members as assigned.&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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Prepare monthly and quarterly lending activity and portfolio condition reports as needed. 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></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;'><br></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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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;'><br></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;'>Leadership, Development, and Accountability&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: -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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Demonstrates passion and enthusiasm for an organization&rsquo;s vision and motivates, leads and empowers others to achieve organizational goals;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Demonstrates an intellectual and professional leadership style that supports the attainment of mutual respect.</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to establish and encourage positive working relationships with key stakeholders;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to influence or persuade others to gain acceptance or agreement of ideas and approaches.</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to formulate strategies and policies, and create new approaches in adverse situations;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to take a broad based view of issues and events, and have an understanding of their long-term impact or wider implications;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to translate strategies into strategic an operational activities.</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to assimilate complex issues and use appropriate communication strategies to influence wide and diverse audiences;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Ability to actively listen, seek information and ask questions to ensure the understanding of underlying concerns of others;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Is resilient, remains calm and deliberate under conditions of stress;</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: initial;\"><span style='line-height:115%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>Maintains a positive presence which commands respect from staff members and stakeholders.</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><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: initial;\"><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>10+ 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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><span style='line-height:140%;font-family:\"Helvetica World\";font-size:13px;color:#003C64;'>May require some 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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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: initial;\"><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;'><br></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; background: white; 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. 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! Ready to lead with purpose?&nbsp;</span></p></div>\n",
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