VP, Underwriter, Corporate Asset Finance

We need to output HTML fragment with sections: About the role? Actually the posting includes sections: "THE OPPORTUNITY", "How You’ll Make a Difference", "What You’ll Bring", "How We’ll Support You", "SALARY RANGE". Also maybe "BANC OF CALIFORNIA AND YOUR CAREER" is intro but not a section heading. We need to use

for section headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. However we must only include sections when posting has real specific content. The posting doesn't have explicit "About the role" heading but we can map content to appropriate headings. The instructions: use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need to decide which headings to use based on content. We have: - About the role: could be the introductory description of the role (THE OPPORTUNITY). That seems appropriate. - Responsibilities: the bullet list of duties (How You’ll Make a Difference). That is responsibilities. - Requirements: maybe "What You’ll Bring" includes required and preferred qualifications. Could split into Requirements and Qualifications? But we have both headings. We could put required qualifications under Requirements, preferred under Qualifications. Or combine. - Skills: maybe list of skills like PC proficient, etc. - Benefits: "How We’ll Support You" includes benefits. - Pay: "SALARY RANGE" includes salary range description (though not specific numbers). It says base salary ultimately offered is determined... No specific numbers. According to rule: never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state salary range description but not actual numbers. Is that considered stating them? It says "SALARY RANGE" heading but content is generic. The rule: 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 posting states "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." That's basically not a specific range, it's vague. Likely considered filler. So we should NOT include a Pay section. - Schedule: not mentioned, so omit. Thus we will have sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits. We need to use

• for any list of duties/requirements/benefits, and

  for prose. We must preserve all substantive information, not invent or summarize away detail. Remove boilerplate like EEO, etc. Also remove duplicated lines, navigation, cookie, legal, EEO, scam-warning, application instructions. The posting includes EEO paragraph at end; we must remove that. Also remove "If you require reasonable accommodation..." etc. Also remove "Banc of California is an equal opportunity employer..." etc. Also remove "If you require reasonable accommodation..." etc. Also remove "Banc of California, Inc. (NYSE: BANC) is a bank holding company..." that's intro but maybe part of About the role? It's about the company, not the role. Could be considered part of About the role? The instruction: do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short

  or drop it. The intro about the company could be considered metadata; but it's substantive about the company. Might be okay to keep as part of About the role? However the "About the role" section likely should describe the role, not the company. But we can include company overview as part of About the role? The instruction: "Prefer a few substantive sections over many thin ones." We could combine company overview into About the role paragraph. We need to preserve all substantive information: the description of Banc of California, its mission, etc. That's substantive about the employer, not the role. Might be okay to keep in About the role section as a paragraph. We must not include the EEO boilerplate. Now let's extract content: Intro paragraph: "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 a lot. We'll keep as prose under About the role. Next: "THE OPPORTUNITY The VP, Underwriter will perform analysis, due diligence and underwriting of proposed new loan requests for new and existing clients within the Community and Commercial Bank and for the Corporate Asset Finance group. Review initial borrower submissions, perform analysis of information submitted and prepare a written credit presentation of construction, real estate and commercial loan requests. Independently evaluates the credit worthiness of loan requests covering both existing customers and new credit relationships. Responsible for the timely, effective and efficient completion of required underwriting tasks to make recommendations and creating the appropriate Credit Approval Recommendation (CAR) report for eventual forwarding to and obtaining approval from Credit Administration. The Underwriter interacts and effectively communicates with Bank personnel and with existing or prospective clients 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." That's responsibilities. We'll put under Responsibilities heading. Next: "How You’ll Make a Difference Independently evaluates and structures complex credit requests within various types of lending to businesses within C&I, and other specialty types of industries. Loan types may include asset-based lending, term loans, leases, and cash flow reliant facilities.Performs independent credit analysis and risk assessment including, but not limited to, preparing analysis of financial statements for privately/publicly held and Sponsor owned companies.Well versed in modeling income statements, balance sheets and cash flow calculations over multiple years, as well as analyzing tax returns, financial statements, extensive real estate schedules, and be able to perform a downside and break-even projection analysis with limited input.Develop thorough understanding of the nature and history of the applicant’s business, the market in which the business operates, and assess the capability of its management.Understands complex corporate structures and is able to recommend the best borrowing structures to protect the bank. In conjunction with the Relationship Manager (RM), involved in drafting and negotiating complex loan documents prepared by outside law firm or in-house counsel. Prepare and complete the CAR report for submission and approval to Specialty Banking Credit Committee.Oversees the Letter of Interest (LOI) and insure consistency between the LOI, loan documents and theReview documents related to loan request, including but not limited to, UCC filings, appraisal report, lease agreements, credit reports, etc.Recommend reporting and performance covenants specific to the type of financing being provided and articulate rationale within the CAR.Assist Loan Administrator in a timely boarding and/or funding of loan requests.Responsible for correct identification providing adequate support of new loans’ Risk Ratings.Keeps apprised of industry related, political and regulatory issues to determine their impact on specific industries or clients.Engages with internal and external credit review teams and regulators as needed responding to inquiries on underwritten new loans.Follow all established policies and procedures.Perform other duties and projects as assigned." That seems like more responsibilities/duties. Could be merged under Responsibilities as a list. Next: "What You’ll Bring Required:Highschool Diploma or equivalent6-8+ years of underwriting experience in real estate, construction and commercial financing including valuation and asset management and financial analysis Preferred:Bachelor's Degree and/ or relevant work experience or trainingExperience underwriting corporate asset finance type loans inclusive of aviation, rail / marine, and equipment leasingPC proficient with emphasis in Word, Excel and Moody'sExcellent composing and writing skillsAbility to communicate verbally with a wide range of peopleResponsiveness, judgment, maturity, integrity, and time management skillsMust be a self-starter and able to multi-task, work efficiently on own and team environment, and be readily adaptable to changeAbility to work under pressure and meet completion time tablesStrong financial analytical skills with the ability to evaluate complex financial statements and complicated business and personal tax returnsProficient with nCino" We need to split into Requirements (required) and Qualifications (preferred) and Skills (maybe technical skills). Let's parse: Required: - Highschool Diploma or equivalent - 6-8+ years of underwriting experience in real estate, construction and commercial financing including valuation and asset management and financial analysis Preferred: - Bachelor's Degree and/or relevant work experience or training - Experience underwriting corporate asset finance type loans inclusive of aviation, rail / marine, and equipment leasing - PC proficient with emphasis in Word, Excel and Moody's - Excellent composing and writing skills - Ability to communicate verbally with a wide range of people - Responsiveness, judgment, maturity, integrity, and time management skills - Must be a self-starter and able to multi-task, work efficiently on own and team environment, and be readily adaptable to change - Ability to work under pressure and meet completion time tables - Strong financial analytical skills with the ability to evaluate complex financial statements and complicated business and personal tax returns - Proficient with nCino We could treat Requirements as the required items, Qualifications as preferred items, Skills as maybe the PC proficient etc. But we already have PC proficient etc under preferred. Could also put skills under Skills heading: PC proficient with emphasis in Word, Excel and Moody's; Excellent composing and writing skills; Ability to communicate verbally; Responsiveness, judgment, maturity, integrity, time management; Self-starter, multi-task, adaptable; Ability to work under pressure; Strong financial analytical skills; Proficient with nCino. But we need to avoid duplication. Let's decide: - Requirements heading: list required items (HS diploma, 6-8+ years experience). - Qualifications heading: list preferred items (Bachelor's degree, experience underwriting corporate asset finance, etc.) but maybe we separate skills. - Skills heading: list technical and soft skills (PC proficient, writing, communication, etc.) But the preferred list includes many items that are also skills. To avoid duplication, we could put all preferred items under Qualifications, and not have a separate Skills section. However the instruction says we can use Skills heading if we have content. We could still have Skills heading for technical skills like PC proficient, nCino, etc. But we risk duplication. Better: Use Requirements for required, Qualifications for preferred (including education, experience), and Skills for technical/competency skills (PC proficient, Word, Excel, Moody's, nCino, writing, communication, analytical, etc.). But we need to ensure we don't repeat same bullet. Let's extract: Required: - Highschool Diploma or equivalent -