Banc of California
AVP/VP, Portfolio Manager
role at
Banc of California
Overview Banc of California, Inc. (NYSE: BANC) is a bank holding company with a banking subsidiary, headquartered in Los Angeles, focused on providing banking and treasury management services to small, middle-market, and venture-backed businesses. The bank offers a broad range of loan and deposit products and services with branches in California and Denver, and full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to supporting local communities through financial literacy, job training, small business support, affordable housing, and more.
The Opportunity 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 risk rating changes. Determines borrower creditworthiness and recommends credit decisions to Credit Administration. Works independently from the sales teams to structure and evaluate credit requests, and ensures all duties are performed in compliance with policies, procedures, and applicable laws and regulations.
How You’ll Make a Difference
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 financial statement analysis and third-party reports such as property appraisals.
In conjunction with Relationship Manager, drafts loan documents prepared by outside counsel or in-house counsel.
Recommends credit actions by preparing the Credit Approval Report (CAR) for Credit Administration decisioning.
Coordinates with Loan Administration for due diligence, risk rating reviews, and covenant monitoring.
Reviews Letters of Interest (LOI) and ensures consistency with loan documents and CAM.
May participate in joint customer calls with Relationship Manager to assess client needs, business, and management team.
Ensures compliance with applicable regulations, policies, and procedures and stays current on banking regulation; completes required training.
Maintains knowledge of appraisals, borrowing base reports, and collateral exams; completes Problem Loan Status Reports (PLSRs) with guidance from manager.
Monitors risk ratings for borrowers under the Bank’s Risk Rating Policies and supports ethical conduct and integrity.
What You’ll Bring
Bachelor's degree in accounting, finance, economics or related field and/or related work experience. Formal credit training and/or Intermediate/Financial Accounting courses preferred.
Understanding of lending, cash flow and collateral analysis, and loan structuring.
Strong knowledge of state and federal regulations related to lending (e.g., TILA/Reg Z, EEO, FCRA, BSA/AML, CRA) and experience with bank policies and standards.
Proficiency with Microsoft Office; strong numerical and analytical abilities; excellent organizational, written and oral communication skills.
Ability to make decisions impacting the immediate work unit and cross-functional departments; ability to explain financial calculations and pricing, and to train or guide others as needed.
Ability to work with limited supervision and to manage complex problems with multiple variables.
How We’ll Support You
Financial Security: Eligible for a 401k with employer matching; immediately vested.
Health & Well-Being: Comprehensive medical, dental, vision, AD&D, life, disability coverage, HSA with employer contributions, and FSA options.
Family Support: Adoption, surrogacy, fertility assistance, paid parental leave, and family care options.
Paid Time Away: Vacation, holidays, and volunteer time off.
Career Growth: Tuition reimbursement, mentorship programs, leadership development resources, and access to LinkedIn Learning.
Salary Range The base salary is determined through consideration of education, experience, training, knowledge, skills, and market factors.
Equal Opportunity Employer : Banc of California is committed to a diverse workforce. All qualified applicants will receive consideration for employment without regard to age, ancestry, color, creed, disability, marital status, medical condition, military status, national origin, race, sex, gender, or sexual orientation. If you require reasonable accommodation during the application process, please contact Talent Acquisition.
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Finance and Sales
Industries: Banking
Location: Tustin, CA
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role at
Banc of California
Overview Banc of California, Inc. (NYSE: BANC) is a bank holding company with a banking subsidiary, headquartered in Los Angeles, focused on providing banking and treasury management services to small, middle-market, and venture-backed businesses. The bank offers a broad range of loan and deposit products and services with branches in California and Denver, and full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to supporting local communities through financial literacy, job training, small business support, affordable housing, and more.
The Opportunity 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 risk rating changes. Determines borrower creditworthiness and recommends credit decisions to Credit Administration. Works independently from the sales teams to structure and evaluate credit requests, and ensures all duties are performed in compliance with policies, procedures, and applicable laws and regulations.
How You’ll Make a Difference
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 financial statement analysis and third-party reports such as property appraisals.
In conjunction with Relationship Manager, drafts loan documents prepared by outside counsel or in-house counsel.
Recommends credit actions by preparing the Credit Approval Report (CAR) for Credit Administration decisioning.
Coordinates with Loan Administration for due diligence, risk rating reviews, and covenant monitoring.
Reviews Letters of Interest (LOI) and ensures consistency with loan documents and CAM.
May participate in joint customer calls with Relationship Manager to assess client needs, business, and management team.
Ensures compliance with applicable regulations, policies, and procedures and stays current on banking regulation; completes required training.
Maintains knowledge of appraisals, borrowing base reports, and collateral exams; completes Problem Loan Status Reports (PLSRs) with guidance from manager.
Monitors risk ratings for borrowers under the Bank’s Risk Rating Policies and supports ethical conduct and integrity.
What You’ll Bring
Bachelor's degree in accounting, finance, economics or related field and/or related work experience. Formal credit training and/or Intermediate/Financial Accounting courses preferred.
Understanding of lending, cash flow and collateral analysis, and loan structuring.
Strong knowledge of state and federal regulations related to lending (e.g., TILA/Reg Z, EEO, FCRA, BSA/AML, CRA) and experience with bank policies and standards.
Proficiency with Microsoft Office; strong numerical and analytical abilities; excellent organizational, written and oral communication skills.
Ability to make decisions impacting the immediate work unit and cross-functional departments; ability to explain financial calculations and pricing, and to train or guide others as needed.
Ability to work with limited supervision and to manage complex problems with multiple variables.
How We’ll Support You
Financial Security: Eligible for a 401k with employer matching; immediately vested.
Health & Well-Being: Comprehensive medical, dental, vision, AD&D, life, disability coverage, HSA with employer contributions, and FSA options.
Family Support: Adoption, surrogacy, fertility assistance, paid parental leave, and family care options.
Paid Time Away: Vacation, holidays, and volunteer time off.
Career Growth: Tuition reimbursement, mentorship programs, leadership development resources, and access to LinkedIn Learning.
Salary Range The base salary is determined through consideration of education, experience, training, knowledge, skills, and market factors.
Equal Opportunity Employer : Banc of California is committed to a diverse workforce. All qualified applicants will receive consideration for employment without regard to age, ancestry, color, creed, disability, marital status, medical condition, military status, national origin, race, sex, gender, or sexual orientation. If you require reasonable accommodation during the application process, please contact Talent Acquisition.
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Finance and Sales
Industries: Banking
Location: Tustin, CA
#J-18808-Ljbffr