Banc of California
About Banc of California
Banc of California, Inc. (NYSE: BANC) is a bank holding company headquartered in Los Angeles. Its wholly‑owned banking subsidiary, Banc of California, focuses on providing banking and treasury management services to small, middle‑market, and venture‑backed businesses across California and Denver. The bank supports local communities through financial literacy, job training, and affordable housing initiatives.
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. Keeps apprised of industry, political, and regulatory issues affecting specific industries or clients. Works independently from sales teams to structure and evaluate credit requests, determine borrower credit worthiness, and recommend decisions to Credit Administration. Performs all duties in compliance with the company’s policies, U.S. state and federal laws, and regulations.
How You’ll Make a Difference
Independently evaluate and structure lower‑complexity credit requests, including asset‑based lending, term loans, and commercial real‑estate loans.
Conduct independent credit analysis and risk assessment of new and existing credit requests, preparing financial statement analyses and reviewing third‑party reports such as property appraisals.
Collaborate with Relationship Managers to draft loan documents prepared by outside law firms or in‑house counsel.
Recommend credit actions by preparing Credit Approval Reports (CARs) for final decisioning by Credit Administration.
Assist Loan Administration teams in obtaining due‑diligence information, performing risk rating reviews, and monitoring covenant compliance.
Review Letters of Interest (LOIs) to ensure consistency between loan documents and the Credit Approval Memorandum.
Participate in joint customer calls with Relationship Managers to assess client needs and management teams.
Maintain compliance with all regulations, policies, and procedures; stay current on banking regulation changes and complete required on‑line training.
Apply intermediate knowledge of appraisals, borrowing base reports, and collateral exams.
Complete Problem Loan Status Reports (PLSRs) under managerial guidance.
Proactively identify and monitor risk ratings for borrowers per bank policy.
Demonstrate respect, integrity, and ethical conduct; support a harassment‑free environment and affirmative action.
Follow policies and procedures, complete tasks on time, and support company goals.
Work safely and report unsafe conditions; comply with OSHA standards and related regulations.
Perform other duties and projects as assigned.
What You’ll Bring
Bachelor’s degree in accounting, finance, economics, or related field and/or related work experience.
Formal credit training or completion of Intermediate/Financial Accounting 1 and 2 preferred.
Strong understanding of lending, cash‑flow and collateral analysis, and loan structuring.
Knowledge of applicable regulations: Regulation Z, Regulation B, Fair Housing Act, HMDA, RESPA, FCRA, BSA, USA PATRIOT Act, AML, CIP, RFPA, CRA.
Familiarity with the bank’s loan policies and standards.
Proficiency with Microsoft Office (Word, Excel, PowerPoint, Outlook).
Advanced mathematical skills for interest, percentages, and interest calculation.
Excellent organizational, time‑management, oral, written, and interpersonal communication skills.
Ability to make moderate‑impact decisions and manage work with minimal supervision.
Capacity to explain complex financial calculations and pricing alternatives to clients and colleagues.
Experience with presentations, both internal and external.
How We’ll Support You
401(k) plan with 100% match on the first 4% of contributions, immediately vested.
Comprehensive health benefits, including medical, dental, vision, AD&D, supplemental life, and long‑term disability.
Pre‑tax Health Savings Account and Flexible Spending Account support.
Parental leave and family‑support options, including adoption, surrogacy, and fertility assistance.
Paid vacation, holidays, and volunteer time off.
Career development: tuition reimbursement, mentorship program, leadership training, and LinkedIn Learning access.
Salary Range The base salary is determined based on education, experience, and market data.
Equal Opportunity Statement Banc of California is an equal‑opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration without regard to age, ancestry, color, religious creed, disability, gender, sexual orientation, or any other protected characteristic. If you require reasonable accommodation in the application process, please contact Talent Acquisition.
Job Details
Seniority level: Mid‑Senior
Employment type: Full‑time
Job function: Finance and Sales – Banking
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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. Keeps apprised of industry, political, and regulatory issues affecting specific industries or clients. Works independently from sales teams to structure and evaluate credit requests, determine borrower credit worthiness, and recommend decisions to Credit Administration. Performs all duties in compliance with the company’s policies, U.S. state and federal laws, and regulations.
How You’ll Make a Difference
Independently evaluate and structure lower‑complexity credit requests, including asset‑based lending, term loans, and commercial real‑estate loans.
Conduct independent credit analysis and risk assessment of new and existing credit requests, preparing financial statement analyses and reviewing third‑party reports such as property appraisals.
Collaborate with Relationship Managers to draft loan documents prepared by outside law firms or in‑house counsel.
Recommend credit actions by preparing Credit Approval Reports (CARs) for final decisioning by Credit Administration.
Assist Loan Administration teams in obtaining due‑diligence information, performing risk rating reviews, and monitoring covenant compliance.
Review Letters of Interest (LOIs) to ensure consistency between loan documents and the Credit Approval Memorandum.
Participate in joint customer calls with Relationship Managers to assess client needs and management teams.
Maintain compliance with all regulations, policies, and procedures; stay current on banking regulation changes and complete required on‑line training.
Apply intermediate knowledge of appraisals, borrowing base reports, and collateral exams.
Complete Problem Loan Status Reports (PLSRs) under managerial guidance.
Proactively identify and monitor risk ratings for borrowers per bank policy.
Demonstrate respect, integrity, and ethical conduct; support a harassment‑free environment and affirmative action.
Follow policies and procedures, complete tasks on time, and support company goals.
Work safely and report unsafe conditions; comply with OSHA standards and related regulations.
Perform other duties and projects as assigned.
What You’ll Bring
Bachelor’s degree in accounting, finance, economics, or related field and/or related work experience.
Formal credit training or completion of Intermediate/Financial Accounting 1 and 2 preferred.
Strong understanding of lending, cash‑flow and collateral analysis, and loan structuring.
Knowledge of applicable regulations: Regulation Z, Regulation B, Fair Housing Act, HMDA, RESPA, FCRA, BSA, USA PATRIOT Act, AML, CIP, RFPA, CRA.
Familiarity with the bank’s loan policies and standards.
Proficiency with Microsoft Office (Word, Excel, PowerPoint, Outlook).
Advanced mathematical skills for interest, percentages, and interest calculation.
Excellent organizational, time‑management, oral, written, and interpersonal communication skills.
Ability to make moderate‑impact decisions and manage work with minimal supervision.
Capacity to explain complex financial calculations and pricing alternatives to clients and colleagues.
Experience with presentations, both internal and external.
How We’ll Support You
401(k) plan with 100% match on the first 4% of contributions, immediately vested.
Comprehensive health benefits, including medical, dental, vision, AD&D, supplemental life, and long‑term disability.
Pre‑tax Health Savings Account and Flexible Spending Account support.
Parental leave and family‑support options, including adoption, surrogacy, and fertility assistance.
Paid vacation, holidays, and volunteer time off.
Career development: tuition reimbursement, mentorship program, leadership training, and LinkedIn Learning access.
Salary Range The base salary is determined based on education, experience, and market data.
Equal Opportunity Statement Banc of California is an equal‑opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration without regard to age, ancestry, color, religious creed, disability, gender, sexual orientation, or any other protected characteristic. If you require reasonable accommodation in the application process, please contact Talent Acquisition.
Job Details
Seniority level: Mid‑Senior
Employment type: Full‑time
Job function: Finance and Sales – Banking
#J-18808-Ljbffr