Banc of California
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AVP/VP, Portfolio Manager
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Banc of California At Banc of California, our success is driven by our people. We foster an environment where everyone can reach their full potential, with a culture of empowerment, progressive thinking, and entrepreneurial spirit. We are committed to supporting your growth and well-being with comprehensive benefits and career development programs. The Opportunity
Responsible for providing financial, credit, and trend analysis for the delivery of the Banks 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, as applicable. Conduct annual reviews of loans and identify any risk rating changes. Keeps 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. Determines the credit worthiness of the Borrower and recommends credit decisions to Credit Administration. Performs all duties in accordance with the company\'s policies and 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 analysis of financial statements and third-party reports such as property appraisals. In conjunction with Relationship Manager, participates in drafting loan documents prepared by outside counsel or in-house counsel. Recommends credit actions by preparing the Credit Approval Report (CAR) for final decisioning by Credit Administration. Works with Loan Administration to obtain due diligence information, perform risk rating reviews, and monitor covenant compliance and ticklers. Reviews Letters of Interest (LOI) and ensures consistency between loan documents and the CAM. May make joint customer calls with RM to assess client needs, business, and management team. Ensures compliance with applicable regulations, policies, and procedures; keeps up with changes to banking regulation and completes required training. Has intermediate knowledge of appraisals, borrowing base reports, and collateral exams. Completes Problem Loan Status Reports (PLSRs) with guidance from manager. Monitors risk ratings for borrowers in accordance with Bank policies. Demonstrates professional conduct, ethical standards, and commitment to diversity and inclusion. 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 1 and 2 preferred. Strong understanding of lending, including cash flow and collateral analysis and loan structuring. Knowledge of relevant state and federal regulations (e.g., TILA, ECOA, FHA, HMDA, RESPA, FCRA, BSA/AML, CIP, RFPA, CRA). Working knowledge of the Bank\'s Loan Policies and Standards. Proficient computer skills (Microsoft Office) and strong numerical abilities; capable of analyzing financial data and presenting pricing options. Effective organizational, time management, and communication skills; ability to present and explain financial calculations. Ability to work with minimal supervision and to solve complex problems involving multiple variables. How We’ll Support You
Financial Security: Eligible to participate in a 401(k) plan with 100% match on the first 4% of contributions, immediately vested. Health & Well-Being: Comprehensive insurance options including medical, dental, vision, AD&D, life, long-term disability, and pre-tax accounts. Family Support: Adoption, surrogacy, fertility assistance, paid parental leave, and family support solutions. Paid Time Away: Paid vacation, holidays, and volunteer time off. Career Growth: Tuition reimbursement, mentorship program, leadership development resources, LinkedIn Learning, and more. Salary Range
The base salary is determined based on education, experience, training, knowledge, and market data. 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 age, ancestry, color, religious creed, disability, marital status, medical condition, genetic information, military/veteran status, national origin, race, sex, gender identity or expression, or sexual orientation. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition.
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AVP/VP, Portfolio Manager
role at
Banc of California At Banc of California, our success is driven by our people. We foster an environment where everyone can reach their full potential, with a culture of empowerment, progressive thinking, and entrepreneurial spirit. We are committed to supporting your growth and well-being with comprehensive benefits and career development programs. The Opportunity
Responsible for providing financial, credit, and trend analysis for the delivery of the Banks 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, as applicable. Conduct annual reviews of loans and identify any risk rating changes. Keeps 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. Determines the credit worthiness of the Borrower and recommends credit decisions to Credit Administration. Performs all duties in accordance with the company\'s policies and 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 analysis of financial statements and third-party reports such as property appraisals. In conjunction with Relationship Manager, participates in drafting loan documents prepared by outside counsel or in-house counsel. Recommends credit actions by preparing the Credit Approval Report (CAR) for final decisioning by Credit Administration. Works with Loan Administration to obtain due diligence information, perform risk rating reviews, and monitor covenant compliance and ticklers. Reviews Letters of Interest (LOI) and ensures consistency between loan documents and the CAM. May make joint customer calls with RM to assess client needs, business, and management team. Ensures compliance with applicable regulations, policies, and procedures; keeps up with changes to banking regulation and completes required training. Has intermediate knowledge of appraisals, borrowing base reports, and collateral exams. Completes Problem Loan Status Reports (PLSRs) with guidance from manager. Monitors risk ratings for borrowers in accordance with Bank policies. Demonstrates professional conduct, ethical standards, and commitment to diversity and inclusion. 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 1 and 2 preferred. Strong understanding of lending, including cash flow and collateral analysis and loan structuring. Knowledge of relevant state and federal regulations (e.g., TILA, ECOA, FHA, HMDA, RESPA, FCRA, BSA/AML, CIP, RFPA, CRA). Working knowledge of the Bank\'s Loan Policies and Standards. Proficient computer skills (Microsoft Office) and strong numerical abilities; capable of analyzing financial data and presenting pricing options. Effective organizational, time management, and communication skills; ability to present and explain financial calculations. Ability to work with minimal supervision and to solve complex problems involving multiple variables. How We’ll Support You
Financial Security: Eligible to participate in a 401(k) plan with 100% match on the first 4% of contributions, immediately vested. Health & Well-Being: Comprehensive insurance options including medical, dental, vision, AD&D, life, long-term disability, and pre-tax accounts. Family Support: Adoption, surrogacy, fertility assistance, paid parental leave, and family support solutions. Paid Time Away: Paid vacation, holidays, and volunteer time off. Career Growth: Tuition reimbursement, mentorship program, leadership development resources, LinkedIn Learning, and more. Salary Range
The base salary is determined based on education, experience, training, knowledge, and market data. 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 age, ancestry, color, religious creed, disability, marital status, medical condition, genetic information, military/veteran status, national origin, race, sex, gender identity or expression, or sexual orientation. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition.
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