AVP, Portfolio Relationship Manager, C & I

Banc of California, Inc.; Escondido (CA); Hybrid; USD 75,000 - 113,000; Full time

Benefits offered by this job

401(k) plan with company match

Health, dental, vision benefits

Paid time off

Job summary

Banc of California, a leading relationship-based commercial bank, seeks an AVP with strong credit analysis and financial interpretation skills to evaluate and structure credit requests for middle-market clients. You will assess risk, monitor covenants, and draft loan documents with RM and counsel.

We value independent decision-making, regulatory compliance, and effective communication within a supportive team environment. Superior analytical abilities and MS Office proficiency are essential.

Qualifications

• Bachelor's degree in accounting, finance, economics or related field and/or 3 years of related work experience.
• Intermediate/Financial Accounting 1 and 2 required.
• Good understanding of lending, cash flow and collateral analysis and loan structuring.
• Knowledge of applicable regulations (Reg Z, Reg B, HMDA, RESPA, FCRA, BSA/Patriot Act, AML, CIP, RFPA, CRA).
• Working knowledge of MS Office applications and related tools.
• Strong organizational and time-management skills.
• Effective oral and written communication and analytical writing abilities.
• Ability to work with limited supervision.

Responsibilities

• Independently evaluates and structures lower complexity credit requests, including asset-based lending and term loans.
• Performs independent credit analysis and risk assessment with financial statements and third-party reports.
• Drafts loan documents with Relationship Manager and counsel.
• Recommends credit actions via CAR for Credit Administration decisioning.
• Coordinates with Loan Administration for due diligence and covenant monitoring.
• Reviews LOI and ensures consistency with CAM.
• May make joint client calls with RM to assess needs.
• Ensures regulatory compliance and completes required trainings on time.
• Maintains risk rating monitoring for borrowers under Bank policies.
• Performs additional duties and projects as assigned.

Skills

Credit analysis

Financial statement analysis

Excel

Communication skills

Analytical writing

Time management

Independent decision making

Education

Bachelor's degree in accounting, finance, economics or related field

Credit training

Intermediate/Financial Accounting 1 & 2

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Outlook

Job description

Posting Details

• Posted on August 19, 2026

Locations

• Showing 1 location Escondido, CA
  900 Canterbury Place, Suites 101, 200 -203 & 330
  Escondido, CA 92025, USA
• On-site
• Salary Range : $75,000 USD to $112,500 USD
• Credit, Portfolio Management & Sales Support
• Full-Time
• Requisition #: AVPPO005055

Description

BANC OF CALIFORNIA AND YOUR CAREER

Banc of California, Inc. (NYSE: BANC) is a bank holding company with over $34 billion in assets and the parent company of Banc of California. Banc of California is one of the nation’s premier relationship-based business banks, providing banking and treasury management services to small, middle market, and venture backed businesses. As the largest independent bank headquartered in California, the bank offers a broad range of loan and deposit products and services through a network of full-service branches and regional offices, as well as through digital and nationwide capabilities. The bank also provides full-service payment processing solutions to its clients and serves the Community Association Management industry nationwide through its technology forward platform, SmartStreet™. Banc of California is committed to supporting its local communities through the Banc of California Charitable Foundation and by partnering with organizations that promote financial literacy, job training, small business support, affordable housing, and more.

At Banc of California, our success is powered by our people and a shared commitment to delivering meaningful results. We foster an environment where entrepreneurial thinking is encouraged, and accountability and operational excellence are expected. Our team members are empowered to take ownership, make informed decisions, and make a meaningful impact as the bank continues to grow and evolve. We are dedicated to supporting your growth and wellbeing through comprehensive benefits, robust development opportunities, and inclusive programs that enable you to perform at your best. Together we win!

THE OPPORTUNITY

Responsible for providing financial, credit, and trend analysis for the delivery of the Banks credit products and services to middle market and other business clients and prospects. Monitors assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Conduct annual reviews of loans and identify any risk rating changes. Keeps apprised of industry related, political and regulatory issues to determine their impact on specific industries or clients. Acts in an independent fashion from the sales teams to structure and evaluate credit requests. Is responsible for determining the credit worthiness of the Borrower and recommending credit decisions to Credit Administration. Performs all duties in accordance with the Company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the Company operates.

HOW YOU’LL MAKE A DIFFERENCE

• Independently evaluates and structures lower complexity credit requests, including, but not limited to asset- based lending, term loans, and commercial real estate loans.
• Performs independent credit analysis and risk assessment of new and existing credit requests. Including, but not limited to, preparing analysis of financial statements, and various other third party reports such as property appraisals.
• In conjunction with Relationship Manager, involved in drafting loan documents prepared by outside law firm or in-house counsel.
• Recommends credit actions by preparing the Credit Approval Report (“CAR”) which is submitted to Credit Administration for final decisioning.
• Works with Loan Administration team to obtain due diligence information needed to underwrite the credit request, perform risk rating reviews, and/or monitor covenant compliance and ticklers.
• Reviews the Letters of Interest (LOI) and insures consistency between the loan documents and the CAM.
• May make joint customer calls with RM to assess client’s needs, business, and management team.
• Ensures compliance with all applicable regulations, policies and procedures. Keeps up with changes to banking regulation and completes bank training courses on-line, and on time.
• Has intermediate knowledge of appraisals, borrowing base reports, and collateral exams.
• Completes Problem Loan Status Reports (PLSRs) with guidance from manager.
• Responsible for ongoing proactive and correct identification and monitoring of Risk Ratings for Borrowers under the Risk Rating Policies of the Bank.
• Follow all established policies and procedures.
• Perform other duties and projects as assigned.

WHAT YOU’LL BRING

• Bachelor's degree in accounting, finance, economics or related field and/or 3 years of related work experience. Formal credit training and/or Intermediate/Financial Accounting 1 and 2 preferred.
• Intermediate/Financial Accounting 1 and 2 needed.
• Work related experience should consist of a good to strong understanding of lending, specifically, cash flow and collateral analysis and loan structuring.
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, Anti-Money Laundering (AML) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA).
• Working knowledge of the Bank’s Loan Policies and Standards.
• Strong skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook.
• Advanced math skills; calculate interest and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Effective organizational and time management skills.
• Exceptional oral, written and interpersonal communication skills. Analytical writing skills a must.
• Ability to make decisions that have moderate impact on the immediate work unit and cross functional departments.
• Ability to comprehend and explain financial calculations and pricing alternatives
• Ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.
• Ability to make informal and formal presentations, inside and outside the organization; speaking before assigned team or other groups as needed.
• Ability to deal with complex difficult problems involving multiple facets and variables in non-standardized situations.
• Ability to work with little to no supervision while performing duties.
• High School diploma or equivalent required

HOW WE’LL SUPPORT YOU

• Financial Security: You will be eligible to participate in the company’s 401k plan which includes a company match and immediate vesting.
• Health & Well-Being: We offer comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long- term disability, pre-tax Health Savings Account with employer contributions, and pre-tax Flexible Spending Account (FSA).
• Building & Supporting Your Family: Banc of California partners with providers that offer adoption, surrogacy, and fertility assistance as well as paid parental leave and family support solutions including care options for your family.
• Paid Time Away: Eligible team members receive paid vacation days, holidays, and volunteer time off.
• Career Growth Opportunities: To support career growth of our team members, we offer tuition reimbursement, an annual mentorship program, leadership development resources, access to LinkedIn Learning, and more.

SALARY RANGE

The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, abilities of the applicant in alignment with market data and other factors.

Banc of California is an equal opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration for employment without regard to t heir actual or perceived race (including traits associated with race, such as hair texture, hair type or protective hairstyles), religion or religious creed (including religious dress and grooming practices), color, sex (including pregnancy, childbirth, breastfeeding and related medical conditions), sexual orientation, gender, gender identity, gender expression, gender transitioning, citizenship status, national origin, ancestry, age, marital status, military or veteran status, medical condition, genetic information, or disability (mental or physical), requests for accommodation and any additional protected categories set forth in applicable federal, state or local laws. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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