VP, Relationship Manager, Middle Market - Los Angeles

Banc of California•Los Angeles, CA

18h•$101,000 - $168,500

About The Position

The VP, Relationship Manager, Middle Market is responsible for sourcing commercial lending opportunities, establishing and maintaining client relationships, and evaluating proposed credit facilities. The role analyzes borrower and guarantor financial information, prepares credit presentations and investment analyses, and guides credit requests through management and credit-administrator review. It also works with loan administration and legal counsel to support closing, monitors borrower and collateral performance, and manages financial ticklers. The position includes staff management responsibilities, including participating in hiring decisions and coaching, training, and evaluating employees. Duties must be performed in accordance with company policies and applicable laws and regulations.

Requirements

Minimum of 6–8 years of experience in commercial lending, including valuation, asset management, and financial analysis.
A B.A. degree in finance or a related field and/or related work experience.
Knowledge of, adherence to, monitoring of, and responsibility for compliance with applicable state and federal regulations and laws, including Regulation Z, Regulation B, FHA, HMDA, RESPA, FCRA, BSA, USA PATRIOT Act, AML, CIP, RFPA, and CRA.
General knowledge of loan documentation, collateral analysis, and financial statements.
PC proficiency, particularly with Word, Excel, and Argus spreadsheets.
Excellent composing and writing skills.
Above-average interpersonal skills and ability to communicate verbally with a wide range of people.
Positive attitude and willingness to work.
Responsiveness, judgment, maturity, integrity, and time-management skills.
Review and knowledge of departmental and Human Resources policies and procedures.

Nice To Haves

Familiarity with Moody’s analysis systems.
Familiarity with the nCino system.

Responsibilities

Establish new relationships and foster existing relationships.
Analyze commercial lending opportunities, including working-capital lines of credit, business term loans, and owner-occupied real estate loans.
Analyze borrower and guarantor balance sheets and cash flow to assess whether the bank should provide a credit facility for its intended purpose.
Gather information needed to make an initial credit decision or prepare a credit presentation after deciding to proceed.
Prepare investment analyses and credit packages for review by the department manager and credit administrators.
Maintain ongoing knowledge of borrowers’ and guarantors’ ability and willingness to maintain loans and collateral and repay loans in full.
Manage financial ticklers.
Work with loan administrators and legal counsel to provide information needed to process and close credit facilities.
Monitor market trends and develop and maintain a network of referral sources.
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.
Perform other duties and projects as assigned.

Benefits

401(k) plan with company match and immediate vesting.
Medical, dental, vision, AD&D, supplemental life, and long-term disability insurance options.
Pre-tax Health Savings Account with employer contributions.
Pre-tax Flexible Spending Account.
Adoption, surrogacy, and fertility assistance.
Paid parental leave and family support solutions, including care options for family members.
Paid vacation days, holidays, and volunteer time off for eligible team members.
Tuition reimbursement.
Annual mentorship program.
Leadership development resources.
Access to LinkedIn Learning.