VP, Relationship Manager, Middle Market - Los Angeles

Banc of California•Los Angeles, CA

About The Position

Banc of California is seeking a VP, Relationship Manager, Middle Market. The position sources commercial lending opportunities, establishes and maintains borrower relationships, analyzes and underwrites proposed credit requests, and coordinates credit facilities through approval and closing. The role includes evaluating commercial real estate loan requests, working capital lines of credit, business term loans, and owner-occupied real estate loans. It requires detailed review of borrower and guarantor financial condition, cash flow, collateral, and loan purpose, followed by preparation of investment analyses and written credit packages for management and credit-administrator review. The role also monitors existing borrowers and collateral, manages financial ticklers, and works with loan administrators and legal counsel to process and close credit facilities. It supports market and referral-source development and includes staff-management duties such as interviewing, hiring decisions, performance evaluations, goal planning, counseling, coaching, and training. All work must comply with company policies and applicable state and federal laws and regulations.

Requirements

Minimum of 6–8 years of experience in commercial lending, including valuation and asset management, and financial analysis.
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 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.
General knowledge of loan documentation, collateral analysis, and financial statements.
PC proficiency, with emphasis on spreadsheets and Word, Excel, and Argus.
Familiarity with Moody’s analysis systems.
Excellent composing and writing skills.
Familiarity with the nCino system.
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.

Responsibilities

Establish new relationships and foster existing relationships.
Source commercial lending opportunities and stay abreast of market trends while developing and maintaining a network of referral sources.
Analyze commercial lending opportunities, including working capital lines of credit, business term loans, and owner-occupied real estate loans.
Analyze borrowers’ and guarantors’ balance sheets and cash flow to assess whether the bank should provide a credit facility for the requested purpose.
Gather additional information needed to make an initial credit decision or prepare a credit presentation.
Prepare investment analyses and credit packages for review by the department manager and credit administrators.
Continue analysis of borrowers, guarantors, loans, and collateral to monitor repayment capacity and collateral value.
Manage financial ticklers.
Work with loan administrators and legal counsel to provide information needed to process and close credit facilities.
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 and 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 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.