AVP, Portfolio Relationship Manager, C & I

About the Company

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. As one of the nation’s premier relationship-based business banks, we provide banking and treasury management services to small, middle market, and venture-backed businesses. The bank offers a broad range of loan and deposit products through a network of full-service branches, regional offices, and digital capabilities. We also provide full-service payment processing solutions and serve the Community Association Management industry nationwide through our technology-forward platform, SmartStreet™. Banc of California is committed to supporting local communities through the Banc of California Charitable Foundation and partnerships that promote financial literacy, job training, small business support, and affordable housing.

We foster an environment where entrepreneurial thinking is encouraged, accountability and operational excellence are expected, and team members are empowered to take ownership and make a meaningful impact.

About the Role

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. Conducts annual reviews of loans and identifies any risk rating changes. Stays apprised of industry-related, political, and regulatory issues to determine their impact on specific industries or clients. Acts independently from sales teams to structure and evaluate credit requests and determines the creditworthiness of borrowers, recommending credit decisions to Credit Administration.

Responsibilities

• Independently evaluates and structures lower-complexity credit requests, including asset-based lending, term loans, and commercial real estate loans.
• Performs independent credit analysis and risk assessment of new and existing credit requests, including preparing analysis of financial statements and third-party reports such as property appraisals.
• Works with Relationship Managers to draft loan documents prepared by outside law firm or in-house counsel.
• Recommends credit actions by preparing the Credit Approval Report (CAR) for submission to Credit Administration.
• Collaborates with the Loan Administration team to obtain due diligence information for underwriting, risk rating reviews, and monitoring covenant compliance.
• Reviews Letters of Interest (LOI) to ensure consistency between loan documents and the Credit Approval Memorandum (CAM).
• May make joint customer calls with Relationship Managers to assess client needs, business, and management team.
• Ensures compliance with all applicable regulations, policies, and procedures, including completing required bank training courses.
• Demonstrates intermediate knowledge of appraisals, borrowing base reports, and collateral exams.
• Completes Problem Loan Status Reports (PLSRs) with guidance from manager.
• Proactively identifies and monitors Risk Ratings for borrowers under the bank’s Risk Rating Policies.
• Performs other duties and projects as assigned.

Requirements

• 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.
• Work experience should include a strong understanding of lending, specifically cash flow and collateral analysis, and loan structuring.
• Knowledge of and adherence to state and federal regulations, including 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), Customer Information Program (CIP), Right to Financial Privacy Act (RFPA), and Community Reinvestment Act (CRA).
• Working knowledge of the bank’s Loan Policies and Standards.
• Strong computer skills, including proficiency in Microsoft Office applications (Word, Excel, PowerPoint, Outlook).
• Advanced math skills, including calculating interest, percentages, and financial ratios, and interpreting bar graphs.
• Effective organizational and time management skills.
• Exceptional oral, written, and interpersonal communication skills, with strong analytical writing abilities.
• Ability to make decisions with moderate impact on the immediate 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, and draft reports and procedures.
• Ability to make informal and formal presentations internally and externally.
• Ability to work with little to no supervision.
• High school diploma or equivalent required.

Benefits

• Financial Security: Eligible to participate in the company’s 401k plan with a company match and immediate vesting.
• Health & Well-Being: Comprehensive insurance options, including medical, dental, vision, AD&D, supplemental life, long-term disability, pre-tax Health Savings Account (HSA) with employer contributions, and pre-tax Flexible Spending Account (FSA).
• Building & Supporting Your Family: Adoption, surrogacy, and fertility assistance, paid parental leave, and family support solutions, including care options.
• Paid Time Away: Paid vacation days, holidays, and volunteer time off.
• Career Growth Opportunities: Tuition reimbursement, annual mentorship program, leadership development resources, and access to LinkedIn Learning.

Pay

The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, and abilities of the applicant in alignment with market data and other factors.