Credit Analyst

Banc of California, Inc.; Chevy Chase (MD); On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

401k with company match

Health insurance

Parental leave

Job summary

Banc of California, Inc. is seeking a Credit Analyst to monitor borrower performance, assess credit risk, and support loan officers in underwriting and reminders for SBA-related compliance.

The role emphasizes data-driven analysis, client relationship building, and ensuring documentation aligns with policy. The candidate will interact with senior management and cross-functional teams while handling multiple loan files and reporting obligations.

Qualifications

• Proven ability to analyze financial statements (P&L, balance sheet, cash flow).
• Experience with loan servicing, SBA lending, or credit risk monitoring is a plus.
• Strong written and verbal communication, organizational skills, and attention to detail.

Responsibilities

• Monitor borrower performance and deviations from agreements.
• Assess client credit risk in collaboration with Loan Officer.
• Perform financial, operational, valuation, underwriting analyses.
• Interact with management and ensure loan docs meet SBA SOPs.
• Process loan payments and assist with SBA reporting.
• Maintain loan tracking records and respond to borrower inquiries.

Skills

Financial analysis

Credit risk

Communication

Independent work

Multi-tasking

Attention to detail

Time management

Microsoft Office

Education

Bachelor's degree in Finance, Accounting, Business Administration, or equivalent experience

Tools

Microsoft Office Suite

Job description

• Full-Time
• Requisition #: CREDI005159

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

The Credit Analyst position is expected to monitor the performance of borrowers, identify deviations from agreed upon performance, and take the appropriate remedial steps. The Credit Analyst should strive to understand the client’s operating performance and needs, and work to build strong working relationships with clients, and other constituents. The Credit Analyst will work closely with a Loan Officer to assess client credit risk. 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

• Conduct financial analysis of credit and collateral of borrowers, with emphasis on data accumulation and trend analysis.
• Perform financial, operational, valuation, underwriting, and transactional analysis.
• Participate in borrower risk assessments.
• Interact with various management staff.
• Ensure loan documentation aligns with SBA SOPs and internal policies.
• Process payment transactions in the core processing system according to loan terms.
• Assist with various SBA specific reporting requirements.
• Maintain accurate records and update loan tracking systems for taxes and insurance.
• Address borrower inquiries related to loan servicing, payment processing and compliance requirements.
• Performs other duties and projects as assigned.

WHAT YOU’LL BRING

• Ability to analyze financial statements (profit and loss, balance sheet, and cash flow statements)
• Strong organizational, written and verbal communication skills
• Ability to work independently and collaboratively
• Ability to interface effectively and professionally with senior level management
• Ability to multi-task several projects at once
• Excellent attention to detail and accuracy
• Excellent organizational and time management skills
• Proven ability to use Microsoft Office Suite (Outlook, Excel, MS Word, and PowerPoint)
• Creative and strategic thinker capable of analyzing information/processes to determine overall trends and make appropriate conclusions
• Required:
  
  • 2+ years of related experience
  • Bachelor`s degree in Finance, Accounting, Business Administration, or equivalent experience.
• Preferred:
  • Experience in general accounting
  • Experience in loan servicing, modifications, and credit risk monitoring.
  • Experience working with SBA lending platforms.

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.