VP, Director Credit Review

Banc of California • Denver, CO

1d • $121,000 - $202,500

About The Position

The VP, Director Credit Review conducts independent examinations of loan portfolios to evaluate credit risk management processes related to loan originations and portfolio management. The role ensures asset and portfolio quality is accurately assessed and reported to the Board, Enterprise Risk Committee, Executive Management, external auditors, and regulators. It confirms the Bank’s risk-rated assets and loan portfolios are managed, evaluated, and risk-graded in accordance with corporate policies and regulatory standards. Duties are performed in accordance with Company policies and procedures and applicable U.S. state and federal laws and regulations.

The position leads and participates in examinations across diverse commercial and specialty lending portfolios, strengthens the Credit Review program and its risk-assessment framework, and manages examination findings through remediation and closure. It also leads examination teams, advises management, prepares reports, develops staff, and carries out special assignments.

Requirements

• Bachelor’s degree from an accredited college or university.
• At least 10 years of commercial lending or credit risk management experience, including underwriting, portfolio risk management, or other credit risk-related work experience or training.
• At least 10 years of recent significant experience with a large financial institution in credit examination, credit administration, commercial lending, or as a credit officer, with a proven record of assessing credit risk, evaluating lending practices, and ensuring adherence to regulatory and internal credit standards.
• Extensive lending examination expertise across diverse commercial and specialty credit portfolios, including Venture Banking exposure to Life Sciences and Technology, Equity Funds, Lender Finance, and Corporate Asset Finance.
• Advanced demonstrated knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.
• Advanced demonstrated knowledge of accounting rules applicable to lending activities, related state and federal laws and regulations, and Bank policies and standards.
• Thorough understanding of analyzing various types of commercial and consumer credits.
• Strong understanding of analyzing various types of middle-market and specialty credits.
• Advanced proficiency with Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook.
• Advanced data analytics skills.
• Advanced credit analysis and mathematical skills, including calculating interest and percentages, balancing accounts, performing calculations with whole numbers, fractions, and decimals, identifying routine mathematical errors, computing rates and ratios, and drafting and interpreting bar graphs.
• Effective organizational and time management skills.
• Ability to provide consultation and expert advice to management.
• Ability to address complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with little to no supervision while performing assigned duties.
• Ability to work successfully in a client-focused, consultative work environment.
• High school diploma or equivalent required.

Nice To Haves

• Experience working with credit databases for analysis and report preparation.

Responsibilities

• Lead and participate in comprehensive credit reviews across diverse lending portfolios, including Venture Banking exposure to Life Sciences and Technology, Equity Funds, Lender Finance, and Corporate Asset Finance.
• Manage issue tracking for lending unit examinations from identification through remediation, validation testing, and final closure, ensuring timely resolution and accurate documentation.
• Enhance the Credit Review program by strengthening governance, expanding portfolio coverage, refining risk assessment methodologies, and implementing program elements aligned with heightened regulatory expectations.
• Execute the risk assessment framework to identify, assess, and monitor credit risks, using performance metrics and trend analysis to detect credit deterioration and emerging vulnerabilities.
• Identify, recommend, and implement process changes in credit portfolio management, including new lending programs, underwriting, and portfolio management requirements.
• Identify portfolio management weaknesses that result in inaccurate risk ratings or material variances from Bank policy and regulatory guidance.
• Provide an opinion on management’s ability to administer credit risk, loan exposures, and concentrations within individual Banking Unit portfolios.
• Analyze and review commercial and retail credits, including verification of financial analysis, global cash flow, and repayment sources used to determine asset quality.
• Ensure Credit Review risk-rating changes are updated accurately and promptly by management in the loan system of record.
• Evaluate and monitor compliance with credit policies, standards, and procedures to confirm appropriate controls satisfy regulatory requirements and support best practices.
• Serve as examiner in charge and lead examinations, including planning, coordinating, and overseeing portfolio reviews and examiner resources; perform quality control of examination workpapers and work completed by team members and third-party co-source resources.
• Develop risk-based findings and recommendations and support management in creating corrective action plans.
• Prepare timely examination reports within established guidelines and present conclusions and findings in meetings with Senior Management.
• Provide training and guidance to less experienced examiners and serve as a subject matter expert in portfolio asset classes and specialized loan and credit risk products.
• Promote collaboration within Credit Review and maintain effective working relationships with lending unit management, credit administration, internal audit, and external third parties.
• Promote effective communication with internal and external resources.
• Independently complete special assignments, including due diligence examinations, task force projects, and ad hoc reviews delegated by Credit Review Management.
• Participate in interviewing and hiring decisions.
• Prepare and deliver employee performance evaluations, goal planning, and counseling.
• Manage, support, coach, and train staff.
• Follow established policies and procedures and perform other assigned duties and projects.

Benefits

• 401(k) plan with company match and immediate vesting.
• 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.
• Paid vacation days, holidays, and volunteer time off for eligible team members.
• Tuition reimbursement, an annual mentorship program, leadership development resources, and access to LinkedIn Learning.

What This Job Offers

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