Banc of California
VP, Senior Credit Review Examiner
Banc of California, Santa Ana, California, United States, 92725
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 nation’s 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:
Responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management and confirm asset and portfolio quality. Assures to the Board Enterprise Risk Committee, executive management, external auditors, and regulators that risk rated assets and loan portfolios of the Bank are managed, evaluated, and risk-graded in a manner that is consistent with corporate policies and regulatory standards. Performs all duties in accordance with the company’s policies, standards, and procedures, all U.S. state and federal laws and regulations.
Responsibilities:
Develops and implements a continuous monitoring program of lending unit portfolios between comprehensive portfolio reviews that tracks key risk, performance metrics, and trends that indicate characteristics of possible credit deterioration and emerging risks.
Identifies, recommends, and affects process changes in credit portfolio management activities including new business lending programs, underwriting, and portfolio management requirements.
Recommends credit policy changes/enhancements where warranted to further improve processes or ensure alignment with regulatory requirements.
Correctly identifies weaknesses in portfolio management practices which do not accurately identify correct risk ratings.
Opines on management’s ability to adequately administer credit risk loan exposures and concentrations inherent in individual Banking Unit portfolios.
Analyzes and reviews credits within the bank’s product suite that encompass various commercial and retail credit types.
Evaluates and monitors compliance with Credit Policies, Standards, and Procedures.
Identifies that exceptions to policy are properly mitigated.
Acts as examiner in charge (EIC) and lead examinations including examiner resources.
Responsible for developing risk-based findings from review results and make meaningful recommendations to management.
Provides training and guidance to less experienced examiners.
Promotes a collaborative team approach within Credit Review.
Independently completes special assignments such as due diligence examinations.
Treats people with respect; keeps commitments; works ethically and with integrity.
Demonstrates knowledge of and adherence to EEO policy.
Follows policies, standards, and procedures; completes tasks correctly and on time.
Performs the position safely, without endangering health or safety.
Performs other duties and projects as assigned.
Qualifications:
Demonstrates knowledge of, adherence to, and responsibility for compliance with state and federal regulations.
Advanced, demonstrated knowledge of credit risk management techniques.
Thorough understanding of analyzing various types of commercial and consumer credits.
Must be able to work successfully in a client-focused, consultative work environment.
Advanced skills in personal computing; Microsoft Office applications.
Effective organizational and time management skills.
Bachelor’s Degree from an accredited College or University and a minimum of seven (7) years commercial lending/credit risk management experience.
Minimum 5 years' experience in credit examination or as a commercial lender.
Salary Range:
$114,000.00 - 156,000.00 USD; Final salary to be determined by the education, experience, knowledge, skills, and abilities of the applicant.
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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 nation’s 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:
Responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management and confirm asset and portfolio quality. Assures to the Board Enterprise Risk Committee, executive management, external auditors, and regulators that risk rated assets and loan portfolios of the Bank are managed, evaluated, and risk-graded in a manner that is consistent with corporate policies and regulatory standards. Performs all duties in accordance with the company’s policies, standards, and procedures, all U.S. state and federal laws and regulations.
Responsibilities:
Develops and implements a continuous monitoring program of lending unit portfolios between comprehensive portfolio reviews that tracks key risk, performance metrics, and trends that indicate characteristics of possible credit deterioration and emerging risks.
Identifies, recommends, and affects process changes in credit portfolio management activities including new business lending programs, underwriting, and portfolio management requirements.
Recommends credit policy changes/enhancements where warranted to further improve processes or ensure alignment with regulatory requirements.
Correctly identifies weaknesses in portfolio management practices which do not accurately identify correct risk ratings.
Opines on management’s ability to adequately administer credit risk loan exposures and concentrations inherent in individual Banking Unit portfolios.
Analyzes and reviews credits within the bank’s product suite that encompass various commercial and retail credit types.
Evaluates and monitors compliance with Credit Policies, Standards, and Procedures.
Identifies that exceptions to policy are properly mitigated.
Acts as examiner in charge (EIC) and lead examinations including examiner resources.
Responsible for developing risk-based findings from review results and make meaningful recommendations to management.
Provides training and guidance to less experienced examiners.
Promotes a collaborative team approach within Credit Review.
Independently completes special assignments such as due diligence examinations.
Treats people with respect; keeps commitments; works ethically and with integrity.
Demonstrates knowledge of and adherence to EEO policy.
Follows policies, standards, and procedures; completes tasks correctly and on time.
Performs the position safely, without endangering health or safety.
Performs other duties and projects as assigned.
Qualifications:
Demonstrates knowledge of, adherence to, and responsibility for compliance with state and federal regulations.
Advanced, demonstrated knowledge of credit risk management techniques.
Thorough understanding of analyzing various types of commercial and consumer credits.
Must be able to work successfully in a client-focused, consultative work environment.
Advanced skills in personal computing; Microsoft Office applications.
Effective organizational and time management skills.
Bachelor’s Degree from an accredited College or University and a minimum of seven (7) years commercial lending/credit risk management experience.
Minimum 5 years' experience in credit examination or as a commercial lender.
Salary Range:
$114,000.00 - 156,000.00 USD; Final salary to be determined by the education, experience, knowledge, skills, and abilities of the applicant.
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