VP, Portfolio Relationship Manager, Construction & LIHTC Loans

Banc of California, Inc.; San Luis Obispo (CA); On-site; USD 90,000 - 135,000; Full time

Benefits offered by this job

401k with company match

Comprehensive health coverage

Paid time off

Job summary

Banc of California, Inc. seeks a seasoned credit professional to deliver financial, credit, and trend analyses for middle‑market clients. You will monitor covenants, collateral, and overall risk while maintaining independence from sales teams and adhering to credit policies.

You will review loan agreements, approve advances, and prepare reporting. The role emphasizes collaboration with Loan Servicing, portfolio management, and junior staff development.

Qualifications

• Bachelor’s degree in accounting, finance, economics, or related field; 5+ years in lending or portfolio management.
• Strong real estate lending knowledge; construction/bridge experience preferred.
• Solid understanding of commercial lending fundamentals: cash flow, financial analysis, loan structuring.
• Knowledge of bank credit policies, portfolio management, and risk management standards.
• Ability to interpret complex loan docs and collateral perfection requirements.
• Proficiency with Microsoft Office: Word, Excel, PowerPoint, Outlook.
• Strong organizational and time management; ability to manage competing priorities.
• Excellent oral, written, interpersonal communication; analytical writing.
• Ability to explain financial calculations and pricing alternatives.
• Ability to present to internal teams, management, and external partners.
• High School diploma or equivalent required.

Responsibilities

• Serve as the primary credit point of contact for Borrowers.
• Review and interpret loan agreements, guarantees, and other credit documentation.
• Review, approve, and process loan advance requests with the Loan Servicing team.
• Review and approve monthly loan statements and related reporting.
• Monitor performance versus timing on project loans to assess interest reserve adequacy.
• Collect periodic financial reporting; prepare and monitor financial and operational trends.
• Analyze ongoing compliance with covenants and recommend actions.
• Prepare quarterly risk reviews and portfolio assessments.
• Evaluate Borrower requests (amendments, waivers, extensions) and prepare summary credit memoranda.
• Manage analysis, reporting, and credit recommendations for classified (non-workout) loans.
• Provide guidance and oversight through staff performance evaluations.
• Support, coach, and develop team members as part of portfolio management.
• Follow all established policies and procedures.

Skills

Credit analysis

Real estate lending

Cash flow analysis

Financial analysis

Loan structuring

Risk management

Presentation

Analytical writing

Interpersonal communication

Portfolio management

Education

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

High School diploma or equivalent

Tools

Microsoft Office

Job 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™.

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 Bank's 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 regular 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

• Serve as the primary credit point of contact for Borrowers, maintaining ongoing relationship engagement.


• Review and interpret loan agreements, guarantees, and other credit documentation.


• Review, approve, and process loan advance requests in collaboration with the Loan Servicing team.


• Review and approve monthly loan statements and related reporting.


• Monitor performance versus expected timing on project loans to assess interest reserve adequacy.


• Collect periodic financial reporting; prepare and monitor financial and operational trends.


• Analyze ongoing compliance with reporting and performance covenants and recommend actions as needed.


• Prepare quarterly risk reviews and portfolio assessments.


• Evaluate Borrower requests (including amendments, waivers, and term extensions) and prepare summary credit memoranda with recommended actions.


• Manage analysis, reporting, and credit recommendations for classified (non workout) loans.


• Provide guidance and oversight through employee performance evaluations, goal setting, and ongoing feedback.


• Support, coach, and develop team members as part of day-to-day portfolio management.


• 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 a related field, and/or 5+ years of relevant lending or portfolio management experience.




• Strong working knowledge of real estate lending, with preference for construction and bridge experience




• Solid understanding of commercial lending fundamentals, including cash flow analysis, financial analysis, and loan structuring.




• Strong working knowledge of bank credit policies, portfolio management practices, and risk management standards.




• Ability to interpret and work with complex loan documentation and collateral perfection requirements.




• Proficiency in Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook.




• Strong organizational and time management skills, with the ability to manage competing priorities.




• Excellent oral, written, and interpersonal communication skills, including clear and effective analytical writing.




• Ability to understand, explain, and evaluate financial calculations and pricing alternatives.




• Ability to deliver both informal and formal presentations to internal teams, management, and external partners as needed.



• 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 their 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.