VP, Credit Review Examiner

Banc of California • Menlo Park, CA

1d • $101,000 - $168,500

About The Position

The VP, Credit Review Examiner supports independent credit review examinations across loan portfolios to assess credit risk management practices, validate risk ratings, and confirm overall portfolio quality. The role supports accurate reporting to the Board, Enterprise Risk Committee, executive management, auditors, and regulators. Duties are performed in accordance with company policies and procedures and applicable U.S. state and federal laws and regulations.

The examiner works across a range of lending portfolios, including Venture Banking (Life Sciences and Technology), Equity Funds, Lender Finance, Corporate Asset Finance, Commercial Real Estate, and Consumer portfolios. The role also contributes to issue management, program enhancements, risk-based findings, examination reports, and targeted portfolio assessments, while maintaining effective relationships with lending teams and other stakeholders.

Requirements

• Bachelor’s degree from an accredited college or university, or equivalent experience.
• At least 7 years of experience in commercial lending, credit risk management, underwriting, portfolio management, or related credit risk functions.
• At least 7 years of experience supporting credit examinations across commercial and specialty credit portfolios, including Venture Banking (Life Sciences and Technology), Equity Funds, Lender Finance, Corporate Asset Finance, Commercial Real Estate, and Consumer portfolios.
• Prior experience within a large financial institution in credit review, credit administration, lending, or credit officer roles.
• Working knowledge of credit risk assessment, lending practices, and regulatory and internal credit standards.
• Strong understanding of credit risk management principles, regulatory guidance, and credit administration practices.
• Solid knowledge of accounting principles relating to lending activities and applicable state and federal regulations.
• Ability to analyze a variety of commercial and consumer credit structures, including middle market and specialty credits.
• Ability to operate effectively in a client-focused, consultative environment.
• Proficiency in Microsoft Word, Excel, PowerPoint, and Outlook.
• Strong analytical and problem-solving skills, including evaluating data, identifying trends, and supporting risk assessments.
• Solid quantitative skills, including performing financial calculations and interpreting data.
• Strong organizational and time management skills, with the ability to manage multiple priorities.
• Ability to work independently and as part of a team, supporting broader examination efforts.
• Effective communication skills, including clearly documenting observations and supporting discussions with management.
• Ability to navigate complex situations with multiple variables and support issue resolution, with relevant Credit Review experience.
• High school diploma or equivalent required.

Nice To Haves

• Experience working with credit systems and databases to support analysis and reporting.

Responsibilities

• Support credit review examinations across lending portfolios, including Venture Banking (Life Sciences and Technology), Equity Funds, Lender Finance, Corporate Asset Finance, Commercial Real Estate, and Consumer portfolios.
• Assist with issue management for lending unit examinations by tracking findings, monitoring remediation, and supporting validation and closure activities.
• Identify gaps in Credit Review program coverage, consistency, and risk assessment practices and contribute to program enhancements.
• Apply established risk assessment frameworks to identify and monitor key credit risks, including early signs of portfolio deterioration.
• Identify gaps in underwriting, portfolio management practices, and risk rating accuracy; document observations and escalate as appropriate.
• Support evaluation of management’s ability to administer credit risk effectively, including exposures and portfolio concentrations.
• Perform credit analysis across products, including validation of financial analysis, global cash flow, and repayment sources.
• Assist in confirming that Credit Review risk rating changes are accurately reflected in systems of record.
• Monitor adherence to Credit Policies, Standards, and Procedures, and help identify control gaps and policy exceptions.
• Support Examiner-in-Charge efforts with coordination, workpaper maintenance, and complete, organized documentation.
• Contribute to risk-based findings and support examination report preparation and management discussions.
• Maintain effective working relationships with lending teams, credit administration, internal audit, and other stakeholders.
• Complete due diligence reviews, targeted portfolio assessments, and other ad hoc assignments as needed.
• Follow established policies and procedures and perform other assigned duties and projects.

Benefits

• Company 401(k) plan with company match and immediate vesting.
• Medical, dental, vision, AD&D, supplemental life, and long-term disability insurance options.
• 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 family care options.
• Paid vacation days, holidays, and volunteer time off for eligible team members.
• Tuition reimbursement.
• Annual mentorship program.
• Leadership development resources.
• Access to LinkedIn Learning.

What This Job Offers

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