Credit Analyst

Company: Avidbank
Location: San Jose
Posted on: April 1, 2026

Job Description:

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, sponsor 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: Credit Analyst Position type: Full-time Pay range: $69,000.00 - $90,000.00 Division: Specialty Finance Work Location Type: Office Hybrid Location: San Jose Essential Functions and Basic Duties: Position assists sponsor finance lending function by gathering and analyzing credit information on current and potential borrowers and determining credit risk for diversified types of loans. Assists loan officers in writing loan requests and proposals. Promotes quality customer relations and refers customers to appropriate staff for new services. Assists loan officers in performing 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 data from customers and other sources. Prepares spreadsheets and analyzes financial information including financial statements and tax returns. Contacts customers for additional information and clarification of data. Verifies pledged assets. As instructed, compiles data from credit bureaus, conducts industry peer comparisons, perform cash flow analyses and other related tasks. Based on analysis, makes recommendation on loan structures and terms to loan officers and assists in the writing of financial analysis and reports. Assist with loan processing and coordination. Monitors loans and determines when updates to documentation, e.g. financial statements, are required. Informs loan officers and monitors accounts. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. Assists loan officers in verification of funds with mortgage companies and contractors. Participate in the on-going computerization of the loan review function. Assist in providing deposit and loan account ratings for loan officers. Update and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility. May represent the Bank in various community, civic and community reinvestment functions to promote the Bank’s image and develop additional business. Manage the Specialty Finance Compliance reporting function which includes, but is not limited to: Updates to the Portfolio tracker on a monthly, bi-monthly or weekly basis in preparation for the monthly portfolio reviews. Updates covenants Adds new clients to the tracker Update Horizon with reports and ticklers as needed and send to team on a weekly basis. Perform other duties as required. 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 and Desired Skills: Undergraduate degree in business, finance/accounting, or related field. Familiarity with financial statements and ability to analyze business and financial data. Proficient in the use of personal computers and software programs, such as Excel and Word. Familiar with financial analysis and development of spreadsheets. Strong communication skills, both verbal and written. 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.

Keywords: Avidbank, Turlock , Credit Analyst, Accounting, Auditing , San Jose, California