VP, Portfolio Relationship Manager, C & I

Banc of California • Santa Ana, CA

2d

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 matters, and credit deterioration; conducts annual loan reviews; and identifies potential risk-rating changes. It stays informed about industry, political, and regulatory developments and evaluates their impact on clients and industries. Operating independently from sales teams, the role structures and evaluates credit requests, determines borrower creditworthiness, and recommends credit decisions to Credit Administration. Duties must be performed in accordance with company policies and applicable laws and regulations.

The position manages a portfolio of primarily business clients, developing relationship plans and calling schedules, maintaining strong client and internal relationships, and promoting bank products and services. It handles ongoing portfolio management, monitors credit quality and policy adherence, identifies business opportunities, coordinates with product specialists and other departments, and ensures timely and accurate follow-up and system updates.

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, adherence to, and responsibility for compliance with applicable state and federal laws and regulations, including Regulation Z, Regulation B, FHA, HMDA, RESPA, FCRA, BSA, the USA PATRIOT Act, AML, CIP, RFPA, and CRA.
• Advanced skills operating computer terminals, personal computers, mainframe systems, word-processing and spreadsheet software, and specialty software programs.
• 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, identifying routine mathematical errors, computing rates and ratios, and drafting and interpreting bar graphs.
• Excellent organizational and time-management skills.
• Exceptional oral, written, and interpersonal communication skills, including the ability to 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 thoughts and ideas into understandable terminology.
• Ability to organize and prioritize work on short-term and long-term bases.
• Ability to address difficult problems involving multiple facets and variables in non-standardized situations.
• Ability to work 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, including reviews, renewals, modifications, risk-rating certifications, and covenant-compliance monitoring.
• Call on clients to discuss and promote bank products and services and build strong client banking relationships.
• Build relationships with internal referral sources and identify business opportunities, soliciting referrals for bank products, services, and external opportunities.
• Develop an understanding of each client’s company, industry, business, and needs to support client service.
• Bring in product specialists as needed to help solve problems or structure transactions.
• Exercise sound credit and risk judgment in reviewing transactions and recommend approval of credits that meet the bank’s credit standards.
• Assess borrower creditworthiness and recommend credit decisions to Credit Administration.
• Monitor portfolio quality, risk, covenant compliance, collateral matters, credit deterioration, and adherence to policy; identify risk-rating changes.
• Keep apprised of industry, political, and regulatory issues and assess their impact on specific industries or clients.
• Work with appropriate staff 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.
• Manage system updates accurately and in a timely manner.
• Follow company policies and procedures, support company goals and values, 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 family care options.
• 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