VP, Portfolio Relationship Manager, CRE

VP, Portfolio Relationship Manager, CRE

BANC OF CALIFORNIA AND YOUR CAREER Banc of California, Inc. (NYSE: BANC) is a bank holding company with over $34 billion in assets and the parent company of Banc of California. Banc of California is one of the nation's premier relationship-based business banks, providing banking and treasury management services to small, middle market, and venture backed businesses. As the largest independent bank headquartered in California, the bank offers a broad range of loan and deposit products and services through a network of full-service branches and regional offices, as well as through digital and nationwide capabilities.

The bank also provides full-service payment processing solutions to its clients and serves the Community Association Management industry nationwide through its technology forward platform, Smart Street™. Banc of California is committed to supporting its local communities through the Banc of California Charitable Foundation and by partnering with organizations that promote financial literacy, job training, small business support, affordable housing, and more.

At Banc of California, our success is powered by our people and a shared commitment to delivering meaningful results. We foster an environment where entrepreneurial thinking is encouraged, and accountability and operational excellence are expected. Our team members are empowered to take ownership, make informed decisions, and make a meaningful impact as the bank continues to grow and evolve. We are dedicated to supporting your growth and wellbeing through comprehensive benefits, robust development opportunities, and inclusive programs that enable you to perform at your best.

Together we win!

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, as applicable. Conduct regular 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 in an independent fashion from the sales teams to structure and evaluate credit requests. Is responsible for determining the credit worthiness of the Borrower and recommending credit decisions to Credit Administration. Performs all duties in accordance with the Company's policies and procedures, all U.S. state and federal laws and regulations, wherein the Company operates.

HOW YOU'LL MAKE A DIFFERENCE Serve as the primary credit point of contact for Borrowers, maintaining ongoing relationship engagement. Review and interpret loan agreements, guarantees, and other credit documentation. Review, approve, and process loan advance requests in collaboration with the Loan Servicing team. Review and approve monthly loan statements and related reporting. Monitor performance versus expected timing on project loans to assess interest reserve adequacy.

Collect periodic financial reporting; prepare and monitor financial and operational trends. Analyze ongoing compliance with reporting and performance covenants and recommend actions as needed. Prepare quarterly risk reviews and portfolio assessments. Evaluate Borrower requests (including amendments, waivers, and term extensions) and prepare summary credit memoranda with recommended actions. Manage analysis, reporting, and credit recommendations for classified (non workout) loans. Provide guidance and oversight through employee performance evaluations, goal setting, and ongoing feedback.

Support, coach, and develop team members as part of day-to-day portfolio management. Follow all established policies and procedures. Perform other duties and projects as assigned.

WHAT YOU'LL BRING Bachelor's degree in accounting, finance, economics, or a related field, and/or 5+ years of relevant lending or portfolio management experience. Strong working knowledge of real estate lending, with preference for construction and bridge experience Solid understanding of commercial lending fundamentals, including cash flow analysis, financial analysis, and loan structuring. Strong working knowledge of bank credit policies, portfolio management practices, and risk management standards.

Ability to interpret and work with complex loan documentation and collateral perfection requirements. Proficiency in Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook. Strong organizational and time management skills, with the ability to manage competing priorities. Excellent oral, written, and interpersonal communication skills, including clear and effective analytical writing. Ability to understand, explain, and evaluate financial calculations and pricing alternatives.

Ability to deliver both informal and formal presentations to internal teams, management, and external…