VP, Portfolio Relationship Manager, CRE & LIHTC Loans

Banc of California; San Luis Obispo (CA); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

401(k) plan with company match

Comprehensive insurance options

Career growth opportunities

Job summary

Banc of California is hiring for a role focused on financial and credit analysis for middle-market clients. You will evaluate and structure credit requests, conduct risk assessments, and ensure compliance with regulations.

The ideal candidate has a relevant degree and strong communication skills. Responsibilities include preparing credit packages and supporting loan administration. Benefits include a robust 401(k) plan and comprehensive insurance options.

Qualifications

• Bachelor's degree in accounting, finance, economics, or a related field.
• Proficiency in financial accounting and loan structuring.
• Exceptional oral, written, and interpersonal communication skills.

Responsibilities

• Evaluate and structure lower-complexity credit requests.
• Perform independent credit analysis and risk assessment.
• Prepare comprehensive credit packages for review.

Skills

Financial accounting

Lending understanding

Communication skills

Organizational skills

Decision-making

Education

Bachelor’s degree in relevant field

High School diploma or equivalent

Tools

Microsoft Office Suite

IBS

Ncino

Job description

Overview

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. It 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 full‑service branches, regional offices, and digital capabilities. The bank also provides full‑service payment processing solutions and serves the Community Association Management industry nationwide through its technology‑forward platform, SmartStreet™. Banc of California supports local communities through its charitable foundation and partnerships that promote financial literacy, job training, small‑business support, affordable housing, and more.

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.

How You’ll Make a Difference

• Independently evaluate and structure lower‑complexity credit requests, including cash flow lending, asset‑based lending, term loans, and commercial real‑estate loans.
• Perform independent credit analysis and risk assessment of existing credit requests, preparing analyses of financial statements and other third‑party reports such as property appraisals.
• Prepare comprehensive credit packages and presentations for review by a credit administrator and transactional credit commitment, detailing the financial analysis, risk assessment, and recommendation for loan structure.
• Develop detailed financial models to forecast future cash flows and stress‑test the borrower’s ability to service debt under various economic scenarios.
• Analyze key financial metrics such as EBITDA, leverage ratios, fixed‑charge coverage ratios, and working‑capital cycles.
• Analyze collateral quality, lien position, and personal guarantees from business owners, sponsors, and/or operators.
• Collaborate with the Relationship Manager to review loan documents prepared by outside law firms or in‑house counsel.
• Work with the Loan Administration team to obtain due diligence information needed to underwrite the credit request, perform risk rating reviews, and monitor covenant compliance.
• Review Letters of Interest (LOI) and ensure consistency between loan documents and the credit administration model.
• Travel to support client relationships with the Relationship Manager when necessary.
• Ensure compliance with all applicable regulations, policies, and procedures, staying current with banking regulation and completing required training courses on time.
• Possess intermediate knowledge of appraisals, borrowing base reports, and collateral exams.
• Complete Problem Loan Status Reports (PLSRs) with guidance from management.
• Provide ongoing monitoring of the borrower’s financial health, collecting and reviewing periodic financial statements, and proactively identifying potential risks or signs of default.
• Participate in interviewing and hiring decisions.
• Prepare and deliver employee performance evaluations, goal planning, and counseling.
• Manage, support, coach, and train employees.
• 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 relevant work experience. Formal credit training and/or Intermediate/Financial Accounting 1 and 2 preferred.
• Proficiency in financial accounting.
• Experience demonstrating a strong understanding of lending, specifically cash flow and collateral analysis and loan structuring.
• Knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws, including Regulation Z, Regulation B, Fair Housing Act, Home Mortgage Disclosure Act, RESPA, FCRA, Bank Secrecy Act, USA PATRIOT Act, Anti‑Money Laundering and Customer Information Program, Right to Financial Privacy Act, and Community Reinvestment Act
• Working knowledge of the bank’s loan policies and standards.
• Strong skills in computer operations and Microsoft Office applications (Word, Excel, PowerPoint, Outlook); IBS and Ncino are a plus.
• Advanced math skills: calculating interest, percentages, balances, and rates; drafting and interpreting bar graphs.
• Effective organizational and time‑management skills in a fast‑paced environment.
• Exceptional oral, written, and interpersonal communication skills. Analytical writing skills are required.
• Decision‑making ability with moderate impact on the 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, train personnel, write reports, correspondence, and procedures, and speak clearly to customers and employees.
• Ability to make informal and formal presentations both inside and outside the organization.
• Ability to deal with complex, difficult problems involving multiple facets and variables.
• High School diploma or equivalent required.

How We’ll Support You

• 401(k) plan with company match and immediate vesting.
• Comprehensive insurance options, including medical, dental, vision, AD&D, supplemental life, long‑term disability, Health Savings Account, and Flexible Spending Account.
• Family benefits: adoption, surrogacy, fertility assistance, paid parental leave, and family support solutions.
• Paid vacation days, holidays, and volunteer time off.
• Career growth opportunities: tuition reimbursement, annual mentorship program, leadership development resources, LinkedIn Learning access, and more.

Salary Range

The base salary offered is determined through a review of education, industry experience, training, knowledge, skills, abilities, and market data.

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 race, religion, color, sex, sexual orientation, gender identity, citizenship status, national origin, age, marital status, military status, disability, or any other protected characteristic. If you require reasonable accommodation during the application process, please contact Talent Acquisition.