VP, Relationship Manager, Commercial Banking - Central Coast

Banc of California, Inc.; San Luis Obispo (CA); On-site; USD 101,000 - 169,000; Full time

Benefits offered by this job

401(k) plan with company match

Comprehensive medical/dental/vision

AD&D and life insurance

Parental leave

Tuition reimbursement

Mentorship & LinkedIn Learning

Job summary

Banc of California is seeking a VP, Relationship Manager for the Central Coast to lead sourcing and underwriting of commercial real estate loans in the San Luis Obispo area. The role focuses on building relationships, performing rigorous credit analysis, and guiding loans through approval and closing processes.

The successful candidate will bring 6–8 years of lending experience, a finance-related degree, strong regulatory knowledge, and proficiency with Excel, Argus, and Moody's systems.

Qualifications

• Minimum 6–8 years of experience in commercial lending, including valuation and asset management, and financial analysis.
• BA degree in finance or related field is required.
• Knowledge of and adherence to state/federal regulations (e.g., Reg Z, Reg B, HMDA, RESPA, FCRA, BSA/AML, CIP, CRA).
• General knowledge of loan documentation, collateral analysis and financial statements.
• Proficient with spreadsheets (Excel, Word) and Argus; familiarity with Moody’s analysis systems; strong writing skills.

Responsibilities

• Source opportunities and negotiate/issue term sheets for commercial loans.
• Review borrower submissions and prepare credit presentations for approvers.
• Guide credit requests through review and assist loan administration through closing.
• Analyze borrower and guarantor balance sheets and cash flows to assess credit facilities.
• Maintain market knowledge and develop referral networks to generate opportunities.
• Support, coach, and develop team members and participate in hiring decisions.

Skills

Interpersonal skills

Writing skills

Excel

Word

Argus

Moody’s Analytics

ncino

Loan documentation

Collateral analysis

Financial statements

Regulatory compliance

Education

Bachelor's degree in finance or related field

Tools

Argus

Moody’s Analytics

ncino

Job description

VP, Relationship Manager, Commercial Banking - Central Coast

• Posted on September 4, 2026

Locations

Showing 1 location

San Luis Obispo, CA 93401, USA

• On-site
• Salary Range: $101,000 USD to $168,500 USD
• Customer-Facing & Banking Roles
• Full-Time
• Requisition #: VPREL005101

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

This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed commercial real estate loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. Guide credit request through review by division manager, and senior credit review officers. Assist loan administration through the closing process. 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

• Establishing new relationships and fostering existing relationships.
• Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans.
• Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the bank’s interest in providing a credit facility for the designated purpose.
• Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made.
• Prepare investment analysis and credit package for review by department manager and credit administrators.
• On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided.
• Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities.
• Stay abreast of market trends and develop/maintain a network of referral sources.
• Involved with 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

• Minimum of 6-8 years of experience in commercial lending, including valuation and asset management, and financial analysis is required
• B.A. Degree in finance or related field and/or related work experience is 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)
• A general knowledge of appropriate loan documentation, collateral analysis and financial statements
• P.C. proficient with emphasis on spreadsheets (Word, Excel, Argus)
• Familiarity with Moody’s analysis systems
• Excellent composing and writing skills
• Familiarity with nCino system
• Above-average interpersonal skills; ability to communicate verbally with a wide range of people
• Positive attitude and willingness to work
• Responsiveness, judgment, maturity, integrity, and time management skills are required
• Review and be knowledgeable of departmental and human resource’s policies & procedures
• 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.