VP, Relationship Manager, Commercial Banking - Inland Empire

About the role

This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; performing analysis, due diligence, and underwriting of proposed commercial real estate loan requests. It involves reviewing initial borrower submissions, performing analysis of information submitted, preparing a written credit presentation of loan request, guiding credit request through review by division manager and senior credit review officers, assisting loan administration through the closing process, and staying updated on market trends.

Responsibilities

• 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.
• Manage financial ticklers.
• 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.
• Involvement with interviewing and hiring decisions.
• Prepare and deliver employee performance evaluations, goal planning, and counseling.
• Manage, support, coach and train staff.
• Follow all established policies and procedures.
• Perform other duties and projects as assigned.

Requirements

• A minimum of 6-8 years of experience in commercial lending, including valuation and asset management, and financial analysis is required.
• A 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.
• A 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.

Qualifications

• Minimum of 6-8 years of experience in commercial lending, including valuation and asset management, and financial analysis.
• B.A. Degree in finance or related field and/or related work experience.
• Knowledge of relevant regulations and laws, including Regulation Z, Regulation B, Fair Housing Act, Home Mortgage Disclosure Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Bank Secrecy Act, AML, CIP, RFPA, CRA.
• Proficiency in loan documentation, collateral analysis, and financial statements.
• Basic computer skills, particularly proficiency in Microsoft Office applications.
• Strong communication and interpersonal skills.
• Ability to manage multiple tasks and meet deadlines.

Skills

• Commercial lending experience.
• Financial analysis and valuation.
• Regulatory compliance knowledge.
• Loan documentation and financial statement analysis.
• Computer proficiency, especially in spreadsheet software.
• Effective communication and interpersonal skills.

Benefits

The bank offers a comprehensive benefits package including:

• 401(k) plan with company match and immediate vesting.
• Comprehensive health and dental plans.
• AD&D, supplemental life, and long-term disability insurance.
• Pre-tax Health Savings Account with employer contributions.
• Flexible Spending Account (FSA).
• Adoption, surrogacy, and fertility assistance.
• Paid parental leave and family support solutions.
• Paid vacation days, holidays, and volunteer time off.
• Tuition reimbursement.
• Liaison with leadership development resources.
• Access to LinkedIn Learning.

Pay

The base salary 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.

Schedule

N/A

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. 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!

Company Commitment

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.