Sr. Credit Officer

SVB Financial Group Palo Alto , CA 94306

Posted 1 week ago


Responsible for credit quality and credit management of assigned loan portfolio; credit oversight of new loan business; credit approvals within delegated authority; credit underwriting guidance, and collaboration with relationship leadership on broader strategic goals, risk appetite, credit strategy, and credit quality goals. SCO is responsible for enabling loan growth and maintaining good credit quality.


  • Reviewing credit approval memoranda: Assess risk rating, accuracy of terms and conditions, risk/return, analyze adequacy of repayment sources, and ensure that key risks are highlighted.

  • Meeting with Sponsor Finance teams to evaluate new loan opportunities and changes to existing loans: Assess whether opportunity makes strategic and economic sense for SVB, understand qualitative and quantitative factors, decide if risk is acceptable and identify areas for additional due diligence.

  • Monthly/Quarterly portfolio reviews with each assigned team: Review every loan relationship in my assigned portfolios, with emphasis on risk rating, performance/liquidity trends, and compliance with loan covenants and reporting requirements.

  • Coach relationship managers in underwriting, portfolio management, negotiation, and positioning of solutions.

  • Internal Meetings with Credit and other functions groups, Serving as member of Loan Committee (Review, discuss, and vote on credits that require LC approval (typically over $20MM)


  • Approve pass-rated loans of up to $10 million, based on reviewing a full underwriting package.

  • Approve changes to terms, default waivers, and forbearances for pass-rated loans up to $10 million.

  • Approve minor changes to loans that are above these thresholds, or present the request to the appropriate approver if material.

  • Pre-screen loan opportunities and potential modifications with the relationship team, so that the likelihood of approval is high prior to delivering a proposal to the client.


For loans or modifications that are outside of delegated approval authority, sponsor the request and present it to the Credit Risk Manager or the bank's Loan Committee.


  • Broad knowledge of credit underwriting and loan structuring, with particular emphasis on cash flow lending.

  • Understanding of the Private Equity-backed market and the healthcare services and innovation economies.


  • Multi-tasking

  • Ability to condense large amounts of information into key decision points

  • Pattern recognition

  • Ability to balance client satisfaction with credit risk management

  • Ability to find a compromise among competing interests within the bank

  • Display leadership through indirect management

  • Ability to work independently


  • High level of working independently

Required Education and Experience:

  • MBA preferred


  • Travel may be occasionally required
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