Officer, Credit Analyst

Banc Of California And Your Career

Banc of California, Inc. is a bank holding company headquartered in Los Angeles with one wholly-owned banking subsidiary, Banc of California. Banc of California is one of the nation's premier relationship-based business banks focused on providing banking and treasury management services to small, middle-market, and venture-backed businesses. Banc of California offers a broad range of loan and deposit products and services, with full-service branches throughout California and Denver, Colorado, as well as full-stack payment processing solutions through BancEdge. The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more. At Banc of California, our success is driven by our people, and we take pride in fostering an environment where everyone can reach their full potential. We embrace a culture of empowerment, progressive thinking, and entrepreneurial spirit, ensuring our team members have an opportunity to make an impact and play an important role in the future of Banc of California. Our core values Entrepreneurialism, Operational Excellence, and Superior Analytics empower us in creating a dynamic and inclusive workplace. We are committed to supporting your growth and well-being with comprehensive benefits, career development programs, a variety of employee resource groups, and more.

The Opportunity

Responsible for assisting Underwriters, Relationship Managers and Portfolio Managers with the credit origination process, financial reviews and analysis both related to new loan opportunities and the existing client portfolio. Reviews borrower information, perform credit / financial analysis and Know Your Customer (KYC) due diligence and insure initial application process meets regulatory and Banc standards. Primary focus of attention is creating credit spreads of financial statements of corporate and individual borrowers and prospects, and performing cash flow analysis on request when warranted. In support of the Portfolio Managers, monitors assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Keeps appraised of industry related, political and regulatory issues to determine their impact on specific industries or clients. 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.

How You'll Make A Difference

• Responsible for spreading operating history, personal and entity financial statements and / or tax returns, as applicable and required for both existing customers and prospects. + Proactively and efficiently oversee the analyst workflow inbox, prioritizing high importance assignments, and conducting follow-up to ensure completion of tasks within the agreed deadlines. + May monitor financial and covenant compliance in conjunction with Underwriters / Portfolio Managers, as applicable, and identify potential risk factors such as credit deterioration. + Prepare comprehensive global cash flow and debt service analysis exhibits related to both new loan opportunities and existing loan renewals. + Ensure that covenant definitions in ncino undergo thorough quality control (QC) as part of the analyst workflow and actively communicate with Relationship Managers / Underwriters / Portfolio Managers to resolve discrepancies. + May assist with the underwriting and completion of Credit Approval Memorandums (CAM), coordination and preparation for portfolio reviews and audits, and monitoring and reporting of the origination process and portfolio review activities, as applicable. + May assist with the coordination and preparation for portfolio reviews and audits, and monitoring and reporting of the origination process and portfolio review activities, as applicable. + Conduct professional and courteous correspondence with clients. + Foster effective collaboration with internal and external associates Collect all 3rd party vendor reports including due diligence, proof of insurance, recorded title and property taxes. + Ensure compliance with all applicable regulations, policies and procedures. Keep up with changes to banking regulation and completes bank training courses on time. + Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions. + Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; promotes working environment free of harassment of any type. + Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values. + Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.

What You'll Bring

How We'll Support You

Salary Range

The full-time base salary range for this position is $75,000.00 - $85,000.00 USD a year. The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, abilities of the applicant in alignment with market data and other factors. Banc of California is an equal opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration for employment without regard to their actual or perceived race (including traits associated with race, such as hair texture, hair type or protective hairstyles), religion or religious creed (including religious dress and grooming practices), color, sex (including pregnancy, childbirth, breastfeeding and related medical conditions), sexual orientation, gender, gender identity, gender expression, gender transitioning, citizenship status, national origin, ancestry, age, marital status, military or veteran status, medical condition, genetic information, or disability (mental or physical), requests for accommodation and any additional protected categories set forth in applicable federal, state or local laws. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition. Equal Opportunity Employer PacWest Bancorp and its affiliates are fully committed to the principles of equal opportunity and diversity. We take pride in building a workplace culture where all employees feel supported and respected, and have equal access to career and development opportunities without regard to race, religion / creed, color, national origin, age, marital status, ancestry, sex, gender (including pregnancy, childbirth, breastfeeding and related medical conditions), gender identity / expression, sexual orientation, veteran status, physical or mental disability, medical condition, military status, genetic information, or any other characteristic protected by federal, state or local laws.