VP, Portfolio Relationship Manager, CRE

Banc of California•Denver, CO

About The Position

The VP, Portfolio Relationship Manager is responsible for financial, credit, and trend analysis supporting the delivery of 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 signs of credit deterioration; conducts regular loan reviews; and identifies potential risk-rating changes. The position stays informed about industry, political, and regulatory developments and assesses their impact on clients and industries. Working independently from sales teams, the role structures and evaluates credit requests, determines borrower creditworthiness, and recommends credit decisions to Credit Administration. The role also provides guidance and oversight to team members through performance evaluations, goal setting, feedback, coaching, and development. All duties must be performed in accordance with company policies and applicable laws and regulations.

Requirements

Bachelor’s degree in accounting, finance, economics, or a related field, and/or 5+ years of relevant lending or portfolio management experience.
Strong working knowledge of real estate lending.
Solid understanding of commercial lending fundamentals, including cash flow analysis, financial analysis, and loan structuring.
Strong working knowledge of bank credit policies, portfolio management practices, and risk management standards.
Ability to interpret and work with complex loan documentation and collateral perfection requirements.
Proficiency in Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook.
Strong organizational and time-management skills, including the ability to manage competing priorities.
Excellent oral, written, and interpersonal communication skills, including clear and effective analytical writing.
Ability to understand, explain, and evaluate financial calculations and pricing alternatives.
Ability to deliver informal and formal presentations to internal teams, management, and external partners as needed.
High school diploma or equivalent required.

Nice To Haves

Construction and bridge lending experience.

Responsibilities

Serve as the primary credit point of contact for borrowers and maintain ongoing relationship engagement.
Review and interpret loan agreements, guarantees, and other credit documentation.
Review, approve, and process loan advance requests in collaboration with the Loan Servicing team.
Review and approve monthly loan statements and related reporting.
Monitor project-loan performance against expected timing and assess interest reserve adequacy.
Collect periodic financial reporting and prepare and monitor financial and operational trends.
Analyze compliance with reporting and performance covenants and recommend actions as needed.
Prepare quarterly risk reviews and portfolio assessments.
Evaluate borrower requests, including amendments, waivers, and term extensions, and prepare summary credit memoranda with recommended actions.
Manage analysis, reporting, and credit recommendations for classified, non-workout loans.
Provide guidance and oversight through employee performance evaluations, goal setting, and ongoing feedback.
Support, coach, and develop team members in day-to-day portfolio management.
Follow established policies and procedures.
Perform other duties and projects as assigned.

Benefits

401(k) plan with company match and immediate vesting.
Comprehensive insurance options, including medical, dental, vision, AD&D, supplemental life, and long-term disability.
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.
Annual mentorship program.
Leadership development resources.
Access to LinkedIn Learning.