VP, Portfolio Relationship Manager, C & I

Banc of California, Inc.; Santa Ana (CA); Sur place; USD 101 000 - 160 000; Plein temps

Avantages offerts par ce poste

401k with company match

Health, dental & vision insurance

Paid time off

Résumé du poste

Banc of California, Inc. in Santa Ana, CA seeks a senior Commercial Credit Analyst to deliver financial, credit, and trend analyses for middle-market clients. You will monitor covenant compliance, perform annual loan reviews, and support credit decisions while collaborating with sales and risk teams.

The role emphasizes independent judgment, strong communication, and regulatory adherence. The position requires a bachelor’s degree or equivalent, 8+ years in lending, and proficiency with mainframe

Qualifications

• Bachelor’s degree from an accredited college or university or equivalent work experience.
• Minimum of eight (8) years of experience in commercial and other related forms of lending and portfolio products; or equivalent combination of education, training and experience
• Previous experience in relationship management required
• Familiarity with Regulation Z (Truth in Lending), Regulation B, HMDA, RESPA, FCRA, BSA/AML, CIP, RFPA and CRA is expected
• Advanced skills in computer terminal and PC operation; mainframe systems; word processing, spreadsheet and specialty software programs
• Intermediate knowledge of related banking regulations governing lending and compliance and policy adherence
• Strong math skills for interest calculations, balances, ratios, and error detection
• Excellent organizational and time management abilities
• Exceptional communication skills for clear reports and client interaction
• Ability to work independently and make high-impact decisions
• Ability to organize and prioritize work and handle complex problems

Responsabilités

• Manage a portfolio of business clients and develop relationship plans and calling schedules.
• Complete loan portfolio management tasks including reviews, renewals, modifications, and risk certifications.
• Engage clients to discuss and promote bank products and services to strengthen relationships.
• Collaborate with internal referrals and external partners to identify new business opportunities.
• Develop knowledge of client needs and coordinate with product specialists to structure transactions.
• Exercise sound credit and risk judgment and recommend credit approvals that meet standards.
• Monitor portfolio quality and ensure adherence to policy; coordinate issue resolution.
• Prioritize workload and follow up on information promptly.
• Work independently and complete duties on schedule.
• Maintain accurate system updates and documentation in a timely manner.
• Follow established policies and procedures and support company goals and values.

Connaissances

Relationship management

Credit analysis

Risk assessment

Communication skills

Time management

Organizational skills

Problem solving

Formation

Bachelor's degree or equivalent

8+ years commercial lending experience

Outils

Mainframe systems

Word processing

Spreadsheets

Proprietary software

Description du poste

Locations

Showing 1 location

Santa Ana, CA 92707, USA

• On-site
• Pay or shift range: $101,000 USD to $160,000 USD 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.
• Full-Time

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

• Manages a portfolio of primarily business clients; prepares a Relationship Plan and calling schedule for each client.
• Completes all required loan portfolio management, including reviews, renewals, modifications, risk rating certifications, covenant compliance.
• Calls on clients to discuss and promote all bank products and services in order to establish a strong client banking relationship.
• Builds strong relationships with internal referral sources. Identifies business opportunities and solicits referrals of other bank products or services and/or external referrals from existing customers.
• Develops a strong understanding of the company, industry, business and needs to assist in client servicing. Brings in product specialists, as necessary, to help problem-solve or structure transactions.
• Exercises sound credit and risk judgment in reviewing transactions. Recommends approval of credits meeting the banks credit standards. Ensures the quality of all business introduced to the bank.
• Monitors portfolio for quality, risk, and adherence to policy. Works with the appropriate staff departments to resolve issues.
• Prioritizes workload and follow up with pending information in a timely manner.
• Works independently and takes the initiative to complete assigned duties on schedule.
• Manages all system updates in a timely and accurate method.
• Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values.
• Follow all established policies and procedures.
• Perform other duties and projects as assigned.

WHAT YOU’LL BRING

• Bachelor’s degree from an accredited college or university or equivalent work experience.
• Minimum of eight (8) years of experience in commercial and other related forms of lending and portfolio products; or equivalent combination of education, training and experience
• Previous experience in relationship management required
• 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)
• Advanced skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs
• Intermediate knowledge of related state and federal banking compliance regulations governing lending including but not limited to fair lending, privacy, RESPA as well as company operational policies and procedures, and the company’s products and services.
• Intermediate 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
• Excellent organizational and time management skills
• Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees
• Ability to make decisions that have significant impact on the immediate work unit
• Ability to organize thoughts and ideas into understandable terminology
• Ability to organize and prioritize own work schedule on a short-term and long-term basis
• Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations
• Ability to work with little to no supervision while performing duties

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.