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Jobs · Management · California

VP, Relationship Manager, Middle Market Commercial Real Estate Lending - Central & Northern California

Banc of California · Fresno, CA · 2 wk ago
On-siteManagement$34/hrFull-time

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, digital platforms, and nationwide 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. Our success is powered by our people, fostering an environment where entrepreneurial thinking, accountability, and operational excellence are expected. Team members are empowered to take ownership, make informed decisions, and drive meaningful impact as the bank grows.

Responsibilities

  • Source opportunities, negotiate and issue term sheets, and gather appropriate information for commercial real estate loan requests.
  • Perform analysis, due diligence, and underwriting of proposed commercial real estate loans.
  • Review initial borrower submissions, analyze submitted information, and prepare written credit presentations.
  • Guide credit requests through review by division managers and senior credit review officers.
  • Assist loan administration through the closing process.
  • Establish and foster new and existing relationships with clients.
  • Analyze commercial lending opportunities, including working capital lines of credit, term loans, and owner-occupied real estate loans.
  • Conduct detailed analysis of borrower(s) and guarantor(s) balance sheets and cash flow to assess creditworthiness.
  • Gather additional information required for initial credit decisions or credit displays.
  • Prepare investment analysis and credit packages for review by department managers and credit administrators.
  • Maintain ongoing analysis of borrower(s) and guarantor(s) to ensure loan and collateral integrity.
  • Manage financial ticklers and collaborate with loan administrators and legal counsel to process and close credit facilities.
  • Stay abreast of market trends and develop/maintain a network of referral sources.
  • Participate in interviewing, hiring decisions, and employee performance evaluations.
  • Manage, support, coach, and train employees.
  • Follow all established policies and procedures; perform other duties as assigned.

Requirements

  • Minimum of 6-8 years of experience in commercial lending, including valuation, asset management, and financial analysis.
  • B.A. Degree in finance or related field and/or equivalent work experience.
  • 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).
  • General knowledge of loan documentation, collateral analysis, and financial statements.
  • Proficiency in Microsoft Office, with emphasis on spreadsheets (Word, Excel, Argus).
  • Familiarity with Moody’s analysis systems and the nCino system.
  • Excellent written and verbal communication skills.
  • Strong interpersonal skills; ability to communicate effectively with a wide range of people.
  • Positive attitude, responsiveness, judgment, maturity, integrity, and time management skills.
  • 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 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.

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