Relationship Credit Manager

Posting Date:  11/25/2022
Location:  Palo Alto, CA
Department:  Lending


This position is responsible for analyzing current and prospective individual and commercial borrowers and the industry as it relates to current market conditions.  The main objective of this position is to support and expedite the underwriting function for the commercial lending group of the Bank.  This position is also responsible for evaluating cash flow and collateral to service Bank’s lending position and accurately determines borrower’s ability to incur and repay debt. Understands the Bank’s Credit Policy and procedures for underwriting credit.


Accurately spread and analyze financial statements of prospective and existing individual and commercial borrowers.  Research industries and current market conditions of commercial borrowers as they relate to the Bank’s potential risk.  Effectively underwrite loan applications, including a complete financial and industry analysis in a timely manner. Maintain satisfactory customer service levels with all commercial lenders in the department and all other departments within the Bank.  Maintain current client relationships by being responsible to their changing business needs and by renewing and/or amending existing credit commitments in a timely manner.  All other duties as assigned.


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Responsible for ensuring compliance with all aspects of job related laws and regulations.  Responsible for keeping compliance knowledge current by attending compliance related training seminars and/or staff meetings (or reviewing meeting minutes when not in attendance of actual meetings), and be reading pertinent compliance related materials.

Job related laws and regulations include, but are not limited to, the following:
– Bank’s Credit Policies
– Adjustable Rate Mortgage Regulations
– Anti-Money Laundering
– Bank Bribery Act
– Bank Secrecy Act
– Community Reinvestment Act
– Credit Practices Rule (Regulation AA)
– Emergency Preparedness
– Equal Credit Opportunity (Regulation B)
– Fair Credit Reporting
– Fair Debt Collection Practices Act
– Fair Housing Act
– Financial Privacy Laws
– Flood Disaster Protection Act
– Home Mortgage Disclosure Act
– HUD Delinquent Homeownership Counseling
– Loan Secured by Margin Stock (Regulation U)
– Real Estate Appraisal Regulations
– Real Estate Settlement Procedures Act (Regulation X)
– Regulation O

Benefits include competitive salary, bonus plan, medical, dental, group life & long-term care insurance, vision care reimbursement, 401(k), and tuition reimbursement program, and a health club allowance.

Current Opportunities