VP, Credit Review Examiner

Banc of California • Menlo Park, CA

3d

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, and performs duties in accordance with company policies and applicable state and federal laws and regulations.

The position supports examinations across Venture Banking (Life Sciences and Technology), Equity Funds, Lender Finance, Corporate Asset Finance, Commercial Real Estate, and Consumer portfolios. It contributes to issue management, risk-based findings, examination reporting, and ongoing improvements to the Credit Review program. The role also performs credit analysis, assesses adherence to credit policies and standards, and supports the Examiner-in-Charge with coordination and documentation.

Banc of California is a relationship-based business bank providing banking, treasury management, lending, deposit, and payment processing services. The company also serves the Community Association Management industry through its SmartStreet platform and supports local communities through its charitable foundation and partnerships.

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 as they relate 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 the ability to evaluate data, identify trends, and support risk assessments.
• Solid quantitative skills, including the ability to perform financial calculations and interpret 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 the ability to clearly document observations and support discussions with management.
• Ability to navigate complex situations with multiple variables and support issue resolution, with relevant experience in Credit Review.
• 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 Venture Banking (Life Sciences and Technology), Equity Funds, Lender Finance, Corporate Asset Finance, Commercial Real Estate, and Consumer portfolios.
• Assist with examination issue management by tracking findings, monitoring remediation progress, and supporting validation and closure activities.
• Contribute to enhancements of the Credit Review program by identifying gaps in coverage, consistency, and risk assessment practices.
• 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 detailed credit analysis, including validation of financial analysis, global cash flow, and repayment sources.
• Help confirm 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 by coordinating activities, maintaining workpapers, and ensuring documentation is complete and organized.
• 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 duties and projects as assigned.

Benefits

• 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 care options for family.
• Paid vacation days, holidays, and volunteer time off for eligible team members.
• Tuition reimbursement.
• Annual mentorship program.
• Leadership development resources and access to LinkedIn Learning.

What This Job Offers

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