VP, Portfolio Relationship Manager, C & I

Banc of California•Los Angeles, CA

3d•$101,000 - $160,000

About The Position

The VP, Portfolio Relationship Manager, C & I provides financial, credit, and trend analysis to support delivery of the bank’s credit products and services to middle-market and other business clients and prospects. The role monitors assigned credit relationships for covenant compliance, collateral, and potential credit deterioration; conducts annual loan reviews and identifies potential risk-rating changes; and keeps apprised of industry, political, and regulatory developments and their effects on industries and clients. Working independently from sales teams, the position structures and evaluates credit requests, determines borrower creditworthiness, and recommends credit decisions to Credit Administration. All duties must comply with company policies and procedures and applicable state and federal laws and regulations. The position manages a portfolio of primarily business clients, develops client relationship plans and calling schedules, and supports loan portfolio management activities. It builds relationships with clients and internal referral sources, identifies business opportunities, brings in product specialists when needed, and applies sound credit and risk judgment. The role also monitors portfolio quality and policy adherence, resolves issues with appropriate staff, maintains timely and accurate system updates, and completes assigned work independently and on schedule.

Requirements

Bachelor’s degree from an accredited college or university, or equivalent work experience.
At least eight years of experience in commercial and other related forms of lending and portfolio products, or an equivalent combination of education, training, and experience.
Previous relationship-management experience.
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.
Advanced skills in computer terminal and personal computer operation, mainframe systems, word processing, spreadsheets, and specialty software.
Intermediate knowledge of state and federal banking compliance regulations governing lending, including fair lending, privacy, and RESPA, as well as company policies, procedures, products, and services.
Intermediate math skills, including calculating interest and percentages, balancing accounts, performing arithmetic with whole numbers, fractions, and decimals, locating routine mathematical errors, and interpreting rates, ratios, percentages, and bar graphs.
Excellent organizational and time-management skills.
Excellent oral, written, and interpersonal communication skills, including the ability to follow instructions, interpret documents and procedures, write reports and correspondence, and communicate clearly with customers and employees.
Ability to make decisions with significant impact on the immediate work unit.
Ability to organize ideas and communicate them in understandable terms.
Ability to organize and prioritize work schedules over short- and long-term periods.
Ability to handle difficult problems involving multiple facets and variables in non-standardized situations.
Ability to perform duties with little to no supervision.

Responsibilities

Manage a portfolio of primarily business clients and prepare a relationship plan and calling schedule for each client.
Complete loan portfolio management activities, including reviews, renewals, modifications, risk-rating certifications, and covenant compliance.
Call on clients to discuss and promote bank products and services and establish strong banking relationships.
Build relationships with internal referral sources and identify business opportunities, soliciting referrals for bank products, services, and external providers.
Develop an understanding of clients’ businesses, industries, and needs to support client service; involve product specialists as needed to solve problems or structure transactions.
Review transactions using sound credit and risk judgment and recommend approval of credits that meet bank standards.
Monitor portfolio quality, risk, and adherence to policy, working with appropriate departments to resolve issues.
Prioritize workload and follow up on pending information in a timely manner.
Work independently and take initiative to complete assigned duties on schedule.
Maintain timely and accurate system updates.
Follow company policies and procedures, complete tasks correctly and on time, and support company goals and values.
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.
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.