Warehouse Lending Analyst

BOC - 3 Mac Arthur

3 Macarthur Pl

Santa Ana, CA 92707, USA

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, with full‑service branches throughout California and Denver, Colorado, as well as full‑stack payment processing solutions through Banc Edge.

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.

At Banc of California, our success is driven by our people, and we take pride in fostering an environment where everyone can reach their full potential. We embrace a culture of empowerment, progressive thinking, and entrepreneurial spirit, ensuring our team members have an opportunity to make an impact and play an important role in the future of Banc of California. Our core values – Entrepreneurialism, Operational Excellence, and Superior Analytics – empower us in creating a dynamic and inclusive workplace.

We are committed to supporting your growth and well‑being with comprehensive benefits, career development programs, a variety of employee resource groups, and so on. TOGETHER WE WIN®

Responsible for supporting the Warehouse Lending team, and ensuring the smooth operations of the Warehouse Lending Department. Performs a variety of clerical and administrative accounting duties as assigned. 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.

• Process and manage new client applications based on the stacking sheet requirement; create condition lists, run due diligence reports and follow up
• Review client audited/interim financial statements and prepare a year‑to‑year comparison financial analysis according to Warehouse Lending financial requirements.
• Write up credit administration memorandum and address Credit Administrator questions and inquiries
• Process client annual renewals
• Prepare and update contracts based on approved credit administration memorandum and preliminary variable term letter
• Track quarterly compliance documents; responsible for reviewing monthly seller certification and calculation of financial covenants.
• Performs SOX controls validations against client trial balance report and nCino application
• Prepare clients financial exception waiver and line bulge requests to accommodate their month end volume.
• Prepare and manage various quarterly reports which includes; nCino financial covenant and tickler reports
• Assist with internal and external auditors’ requests.
• Assists SVP Directors of Operations, Business Development Team during quarter end and year end reporting; assumes responsibility and gathers data for special projects.
• Ensures excellent internal and external communication with clients and coworkers.
• 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).
• Excellent communication skills, oral and writing
• Effective organizational and time management skills.
• Intermediate skills in computer terminal and personal computer operation;
  Microsoft Office applications including but not limited to:
  Word, Excel, PowerPoint and Outlook.
• Intermediate typing…