Banc of California
VP, Relationship Manager
Banc of California, Temecula, California, United States, 92591
Overview:
Banc of California, Inc. (NYSE: BANC) is a bank holding company headquartered in Los Angeles with one wholly-owned banking subsidiary, Banc of California (the bank). Banc of California is one of the nations premier relationship-based business banks focused on providing banking and treasury management services to small-, middle-market, and venture-backed businesses. Banc of California offers a broad range of loan and deposit products and services through more than 70 full-service branches throughout California and in Denver, Colorado, and Durham, North Carolina, as well as full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more. JOB SUMMARY: This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed commercial real estate and working capital loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. Guide credit request through review by division manager, and senior credit review officers. Assist loan administration through the closing process. Responsibilities: Establishing new relationships and fostering existing relationships. Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans. Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the banks interest in providing a credit facility for the designated purpose. Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made. Prepare investment analysis and credit package for review by department manager and credit administrators. On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided. Spread and analyze financial statements and tax returns for individuals, businesses, and all other types of entities existing as borrowers and guarantors. Manage financial ticklers. Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities. Stay abreast of market trends and develop/maintain a network of referral sources. Involved with interviewing and hiring decisions. Prepare and deliver employee performance evaluations, goal planning, and counseling. Manage, support, coach and train staff. Perform other duties as assigned. 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 (40 and over), ancestry, color, religious creed (including religious dress and grooming practices), denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), genetic information, military and veteran status, national origin (including language use restrictions), race, sex (which includes pregnancy, childbirth, breastfeeding and medical conditions related to pregnancy, childbirth or breastfeeding), gender, gender identity, gender expression, and sexual orientation. If you require reasonable accommodation as part of the application process please contact Talent Acquisition Partner. Qualifications: Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: 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) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA) A general knowledge of appropriate loan documentation, collateral analysis and financial statements P.C. proficient with emphasis on spreadsheets (Word, Excel, Argus) Familiarity with Moodys analysis systems Excellent composing and writing skills Familiarity with nCino system Above-average interpersonal skills; ability to communicate verbally with a wide range of people Positive attitude and willingness to work Responsiveness, judgment, maturity, integrity, and time management skills are required Review and be knowledgeable of departmental and human resources policies & procedures Salary Range : $101,212.80-$161,940.48 USD; Final salary to be determined by the education, experience, knowledge, skills, and abilities of the applicant, internal equity, and alignment with geographic/market data.
Banc of California, Inc. (NYSE: BANC) is a bank holding company headquartered in Los Angeles with one wholly-owned banking subsidiary, Banc of California (the bank). Banc of California is one of the nations premier relationship-based business banks focused on providing banking and treasury management services to small-, middle-market, and venture-backed businesses. Banc of California offers a broad range of loan and deposit products and services through more than 70 full-service branches throughout California and in Denver, Colorado, and Durham, North Carolina, as well as full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more. JOB SUMMARY: This position is responsible for sourcing opportunities, negotiating and issuing term sheets, gathering appropriate information; perform analysis, due diligence, and underwriting of proposed commercial real estate and working capital loan requests. Review initial borrower submissions, perform analysis of information submitted, and prepare a written credit presentation of loan request. Guide credit request through review by division manager, and senior credit review officers. Assist loan administration through the closing process. Responsibilities: Establishing new relationships and fostering existing relationships. Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans. Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the banks interest in providing a credit facility for the designated purpose. Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made. Prepare investment analysis and credit package for review by department manager and credit administrators. On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided. Spread and analyze financial statements and tax returns for individuals, businesses, and all other types of entities existing as borrowers and guarantors. Manage financial ticklers. Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities. Stay abreast of market trends and develop/maintain a network of referral sources. Involved with interviewing and hiring decisions. Prepare and deliver employee performance evaluations, goal planning, and counseling. Manage, support, coach and train staff. Perform other duties as assigned. 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 (40 and over), ancestry, color, religious creed (including religious dress and grooming practices), denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), genetic information, military and veteran status, national origin (including language use restrictions), race, sex (which includes pregnancy, childbirth, breastfeeding and medical conditions related to pregnancy, childbirth or breastfeeding), gender, gender identity, gender expression, and sexual orientation. If you require reasonable accommodation as part of the application process please contact Talent Acquisition Partner. Qualifications: Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: 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) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA) A general knowledge of appropriate loan documentation, collateral analysis and financial statements P.C. proficient with emphasis on spreadsheets (Word, Excel, Argus) Familiarity with Moodys analysis systems Excellent composing and writing skills Familiarity with nCino system Above-average interpersonal skills; ability to communicate verbally with a wide range of people Positive attitude and willingness to work Responsiveness, judgment, maturity, integrity, and time management skills are required Review and be knowledgeable of departmental and human resources policies & procedures Salary Range : $101,212.80-$161,940.48 USD; Final salary to be determined by the education, experience, knowledge, skills, and abilities of the applicant, internal equity, and alignment with geographic/market data.