AVP, Portfolio Relationship Manager, C & I

We need to output HTML fragment with sections: About the role? The posting includes "BANC OF CALIFORNIA AND YOUR CAREER" description about company, then "THE OPPORTUNITY" responsibilities, then "How You’ll Make a Difference" more responsibilities, then "What You’ll Bring" qualifications, then "How We’ll Support You" benefits, then "SALARY RANGE" (but it's generic, no actual numbers). According to rules: include a section ONLY when posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. The Salary Range section says "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." That's not a specific salary range; it's generic. So we should NOT include a Pay section because it's not specific. Benefits: "How We’ll Support You" includes benefits details: 401k, insurance, parental leave, PTO, tuition reimbursement, etc. That's specific benefits, so we can include a Benefits section. Schedule: not mentioned, so omit. Pay: omit. Also we need sections: About the role? The initial company description could be considered "About the role"? Actually "About the role" is a heading for role description; but we have "THE OPPORTUNITY" and "How You’ll Make a Difference" which are responsibilities. Could combine into Responsibilities section. The instructions: use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need to pick appropriate headings based on content. We have company overview (maybe About the role? but that's more about company). Could treat as About the role (description of role and company). Then Responsibilities (combining THE OPPORTUNITY and How You’ll Make a Difference). Then Qualifications (What You’ll Bring). Then Benefits (How We’ll Support You). Possibly Skills could be separate but we can embed in Qualifications. The instruction: Prefer a few substantive sections over many thin ones. So we can have About the role, Responsibilities, Qualifications, Benefits. We must not repeat job title as heading. No Job ID etc. Remove boilerplate: EEO etc. Remove duplicated lines. Also remove application instructions (none). Remove cookie/navigation/legal/EEO etc. The posting includes an EEO paragraph at end; we must remove that. Also remove "If you require reasonable accommodation..." etc. Also remove the Salary Range generic line? Actually we need to preserve ALL substantive information; but the Salary Range section is not substantive (no numbers). It's generic; we could either omit it entirely (since it's not specific) or include as a short paragraph? The rule: never create Pay/Schedule/Benefits sections unless posting actually states them. It does state a Salary Range section but with generic text; but it's still a section about salary. However it's not specific numbers; but it's still stating something about salary determination. The rule says: never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state a Salary Range section (heading). But the content is generic; still it's stating something. However the rule also says: include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. The Salary Range section content is generic but not exactly placeholder like "commensurate with experience". It says "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." That's somewhat generic but not a placeholder. However it's still not a specific range. The instruction: never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state a Salary Range section, but the content is not a specific range; but it's still stating something about salary. I'd lean to include a Pay section with that paragraph, as it's substantive (though not a range). But the rule about filler/placeholder text: "commensurate with experience", "not specified", "N/A", "varies", "TBD". This is not exactly those. It's a description of how salary is determined. I'd include it. But also we have Benefits section already. So we could have Pay and Benefits. Schedule: not mentioned, omit. Thus sections: About the role, Responsibilities, Qualifications, Benefits, Pay. We need to use

for each heading. Use

• for any list of duties/requirements/benefits. Use

  for prose. We need to preserve ALL substantive information; do not invent or summarize away detail. So we need to include all details from responsibilities, qualifications, benefits, pay description. We must not repeat job title. The posting didn't give a specific job title; it's maybe "Credit Analyst". But we shouldn't repeat it. We need to strip boilerplate: EEO paragraph, accommodation request, etc. Also remove duplicated lines (maybe some lines appear twice). We'll need to read the posting and extract. Let's parse sections: Company overview (first paragraph after "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!" That's substantive; we can put under About the role. Next: "THE OPPORTUNITY" heading then paragraph: "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." Then "How You’ll Make a Difference" heading then a list of duties (sentences). Let's capture each bullet as separate items? They are sentences separated by periods. We can convert to

  • each. List: - Independently evaluates and structures lower complexity credit requests, including, but not limited to asset- based lending, term loans, and commercial real estate loans. - Performs independent credit analysis and risk assessment of new and existing credit requests. - Including, but not limited to, preparing analysis of financial statements, and various other third party reports such as property appraisals. - In conjunction with Relationship Manager, involved in drafting loan documents prepared by outside law firm or in-house counsel. - Recommends credit actions by preparing the Credit Approval Report (“CAR”) which is submitted to Credit Administration for final decisioning. - Works with Loan Administration team to obtain due diligence information needed to underwrite the credit request, perform risk rating reviews, and/or monitor covenant compliance and ticklers. - Reviews the Letters of Interest (LOI) and insures consistency between the loan documents and the CAM. - May make joint customer calls with RM to assess client’s needs, business, and management team. - Ensures compliance with all applicable regulations, policies and procedures. - Keeps up with changes to banking regulation and completes bank training courses on-line, and on time. - Has intermediate knowledge of appraisals, borrowing base reports, and collateral exams. - Completes Problem Loan Status Reports (PLSRs) with guidance from manager. - Responsible for ongoing proactive and correct identification and monitoring of Risk Ratings for Borrowers under the Risk Rating Policies of the Bank. - Follow all established policies and procedures. - Perform other duties and projects as assigned. We need to ensure we preserve all. Next: "What You’ll Bring" heading then qualifications list. Paragraph: "Bachelor's degree in accounting, finance, economics or related field and/or 3 years of related work experience. Formal credit training and/or Intermediate/Financial Accounting 1 and 2 preferred.Intermediate/Financial Accounting 1 and 2 needed.Work related experience should consist of a good to strong understanding of lending, specifically, cash flow and collateral analysis and loan structuring.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).Working knowledge of the Bank’s Loan Policies and Standards.Strong skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook.Advanced 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.Effective organizational and time management skills.Exceptional oral, written and interpersonal communication skills. Analytical writing skills a must.Ability to make decisions that have moderate impact on the immediate work unit and cross functional departments.Ability to comprehend and explain financial calculations and pricing alternativesAbility to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.Ability to make informal and formal presentations, inside and outside the organization; speaking before assigned team or other groups as needed.Ability to deal with complex difficult problems involving multiple facets and variables in non-standardized situations.Ability to work with little to no supervision while performing duties.High School diploma or equivalent required" We need to break into list items for readability. Could group similar items but must preserve all info. We'll create
    • each distinct requirement. Let's parse: - Bachelor's degree in accounting, finance, economics or related field and/or 3 years of related work experience. -