VP, Relationship Manager - Commercial Banking (Orange County & Inland Empire)

Banc of California • Santa Ana, CA

5d

About The Position

Banc of California, Inc. (NYSE: BANC) is a bank holding company with over $34
billion in assets and the parent company of Banc of California. Banc of
California is one of the nation’s premier relationship-based business banks,
providing banking and treasury management services to small, middle market, and
venture backed businesses. As the largest independent bank headquartered in
California, the bank offers a broad range of loan and deposit products and
services through a network of full-service branches and regional offices, as
well as through digital and nationwide capabilities. The bank also provides
full-service payment processing solutions to its clients and serves the
Community Association Management industry nationwide through its technology
forward platform, SmartStreet™. Banc of California is committed to supporting
its local communities through the Banc of California Charitable Foundation and
by partnering with organizations that promote financial literacy, job training,
small business support, affordable housing, and more.

At Banc of California, our success is powered by our people and a shared
commitment to delivering meaningful results. We foster an environment where
entrepreneurial thinking is encouraged, and accountability and operational
excellence are expected. Our team members are empowered to take ownership, make
informed decisions, and make a meaningful impact as the bank continues to grow
and evolve. We are dedicated to supporting your growth and wellbeing through
comprehensive benefits, robust development opportunities, and inclusive programs
that enable you to perform at your best. Together we win!

The Associate or Vice President, Relationship Manager supports and manages
commercial client relationships with an emphasis on credit execution, portfolio
management, and business development. This role partners closely with Heather
Littlefield, Senior Relationship Managers, Credit, and Operations to facilitate
the timely processing of new loan requests screening, modifications, and
refinances, while actively contributing to portfolio growth through proactive
client engagement and relationship support. Performs all duties in accordance
with the Company’s policies and procedures, all U.S. state and federal laws and
regulations, wherein the Company operates.

Requirements

• Minimum of 6-8 years of experience in commercial lending, including valuation and asset management, and financial analysis is required
• B.A. Degree in finance or related field and/or related work experience is required
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, Anti-Money Laundering (AML) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA)
• A general knowledge of appropriate loan documentation, collateral analysis and financial statements
• P.C. proficient with emphasis on spreadsheets (Word, Excel, Argus)
• Excellent composing and writing skills
• Above-average interpersonal skills; ability to communicate verbally with a wide range of people
• Positive attitude and willingness to work
• Responsiveness, judgment, maturity, integrity, and time management skills are required
• Review and be knowledgeable of departmental and human resource’s policies & procedures
• High School diploma or equivalent required

Nice To Haves

• Familiarity with Moody’s analysis systems
• Familiarity with nCino system

Responsibilities

• Establishing new relationships and fostering existing relationships.
• Analyze commercial lending opportunities, including working capital lines of credit and term loans to business, plus owner-occupied real estate loans.
• Combine this analysis with a detailed analysis of a borrower(s) and guarantor(s) balance sheets and cash flow to determine the bank’s interest in providing a credit facility for the designated purpose.
• Gather any additional information required to make an initial decision on the credit requested, or to prepare a credit display once the decision to proceed is made.
• Prepare investment analysis and credit package for review by department manager and credit administrators.
• On an ongoing basis, continue the analysis detailed above to maintain a working knowledge of the ability and desire of the borrower(s) and guarantor(s) to maintain the loan and the collateral in a manner which will increase or maintain the value of the collateral, and achieve payment in full of the loan provided.
• Manage financial ticklers.
• Work with loan administrators and legal counsel to provide information as necessary to process and close credit facilities.
• Stay abreast of market trends and develop/maintain a network of referral sources.
• Involved with interviewing and hiring decisions.
• Prepare and deliver employee performance evaluations, goal planning, and counseling.
• Manage, support, coach and train employees.
• Follow all established policies and procedures.
• Perform other duties and projects as assigned.

Benefits

• Financial Security: You will be eligible to participate in the company’s 401k plan which includes a company match and immediate vesting.
• Health & Well-Being: We offer comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long-term disability, pre-tax Health Savings Account with employer contributions, and pre-tax Flexible Spending Account (FSA).
• Building & Supporting Your Family: Banc of California partners with providers that offer adoption, surrogacy, and fertility assistance as well as paid parental leave and family support solutions including care options for your family.
• Paid Time Away: Eligible team members receive paid vacation days, holidays, and volunteer time off.
• Career Growth Opportunities: To support career growth of our team members, we offer tuition reimbursement, an annual mentorship program, leadership development resources, access to LinkedIn Learning, and more.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees