AVP/VP, Portfolio Relationship Manager, C & I

Banc of California • Los Angeles, CA

5d • $101,000 - $160,000

About The Position

The Portfolio Relationship Manager provides financial, credit, and trend analysis to support the delivery of credit products and services to middle-market and other business clients and prospects. The role monitors assigned credit relationships for covenant compliance, collateral, and signs of credit deterioration; conducts annual loan reviews and identifies potential risk-rating changes; and evaluates industry, political, and regulatory developments that may affect clients or industries. Working independently from sales teams, the role structures and evaluates credit requests, determines borrower creditworthiness, and recommends credit decisions to Credit Administration. All duties must be performed in accordance with company policies and applicable laws and regulations.

The position independently evaluates and structures lower-complexity credit requests, including cash-flow lending, asset-based lending, term loans, and commercial real estate loans. It prepares credit analyses, risk assessments, comprehensive credit packages, financial models, and recommendations; assesses borrower repayment capacity, collateral, lien position, and guarantees; and supports loan documentation review, due diligence, risk-rating reviews, covenant monitoring, and ongoing borrower monitoring. The role may travel with a Relationship Manager for client calls and also has employee interviewing, hiring, performance evaluation, coaching, and training responsibilities.

Requirements

• Bachelor’s degree in accounting, finance, economics, or a related field, and/or related work experience.
• Proficiency in financial accounting.
• Good to strong understanding of lending, particularly cash-flow and collateral analysis and loan structuring.
• Knowledge of and responsibility for compliance with applicable state and federal laws and regulations, including Regulation Z, Regulation B, the Fair Housing Act, HMDA, RESPA, FCRA, BSA, the USA PATRIOT Act, AML, CIP, RFPA, and CRA.
• Working knowledge of the Bank’s Loan Policies and Standards.
• Strong computer and personal-computer skills, including Microsoft Word, Excel, PowerPoint, and Outlook.
• Advanced math skills, including calculating interest and percentages, balancing accounts, performing arithmetic, identifying routine mathematical errors, computing rates and ratios, and interpreting bar graphs.
• Effective organizational and time-management skills in a fast-paced environment.
• Exceptional oral, written, and interpersonal communication skills; analytical writing skills are required.
• Ability to make decisions with moderate impact on the immediate work unit and cross-functional departments.
• Ability to comprehend and explain financial calculations and pricing alternatives.
• Ability to apply common sense, carry out instructions, instruct and train others, write reports and procedures, and communicate clearly with customers and employees.
• Ability to deliver formal and informal presentations to internal and external audiences.
• Ability to address complex problems involving multiple variables in non-standardized situations.
• High school diploma or equivalent.

Nice To Haves

• Formal credit training.
• Intermediate Accounting and/or Financial Accounting I and II.
• Experience with IBS and nCino.

Responsibilities

• Independently evaluate and structure lower-complexity credit requests, including cash-flow lending, asset-based lending, term loans, and commercial real estate loans.
• Perform independent credit analysis and risk assessment, including analysis of financial statements and third-party reports such as property appraisals.
• Prepare comprehensive credit packages and presentations for credit administrator review, including financial analysis, risk assessment, and recommended loan structure in accordance with bank policies and procedures.
• Prepare financial models to forecast cash flows and stress-test borrowers’ ability to service debt under different economic scenarios.
• Analyze EBITDA, leverage, fixed-charge coverage ratios, working-capital cycles, collateral quality, lien position, and personal guarantees.
• Work with the Relationship Manager to review loan documents prepared by outside counsel or in-house counsel.
• Coordinate with Loan Administration to obtain due diligence information for underwriting, risk-rating reviews, covenant compliance, and tickler monitoring.
• Review Letters of Interest for consistency between loan documents and the CAM.
• Travel as needed with a Relationship Manager for on-site client calls to support bank-client relationships.
• Comply with applicable regulations, policies, and procedures; keep current with banking regulation changes and complete required online training on time.
• Apply intermediate knowledge of appraisals, borrowing-base reports, and collateral exams.
• Complete Problem Loan Status Reports with manager guidance.
• Monitor borrowers’ financial health, collect and review periodic financial statements, maintain accurate risk ratings, and proactively identify potential risks or signs of default.
• Participate in interviewing and hiring decisions.
• Prepare and deliver employee performance evaluations, goal planning, and counseling.
• Manage, support, coach, and train employees.
• Follow established policies and procedures and perform other assigned duties and projects.

Benefits

• 401(k) plan with company match and immediate vesting.
• Comprehensive insurance options, including medical, dental, vision, AD&D, supplemental life, and long-term disability insurance.
• Pre-tax Health Savings Account with employer contributions and pre-tax Flexible Spending Account.
• Adoption, surrogacy, and fertility assistance.
• Paid parental leave and family support solutions, including care options for family members.
• Paid vacation days, holidays, and volunteer time off for eligible team members.
• Tuition reimbursement.
• Annual mentorship program and leadership development resources.
• Access to LinkedIn Learning.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager