AVP / VP, Portfolio Manager

Overview

AVP / VP, Portfolio Manager role at

Banc of California . Responsible for providing financial, credit, and trend analysis for the bank's credit products and services to middle market and other business clients and prospects. Monitors covenant compliance, collateral monitoring, and credit deterioration as applicable. Conducts annual loan reviews and identifies risk rating changes. Maintains awareness of industry, political, and regulatory issues to determine impact on clients. Acts independently from sales teams to structure and evaluate credit requests. Determines the creditworthiness of the Borrower and recommends credit decisions to Credit Administration. Performs all duties in accordance with the company's policies, procedures, and applicable laws and regulations.

What You'll Do (Responsibilities)

Independently evaluates and structures lower complexity credit requests, including asset-based lending, term loans, and commercial real estate loans.

Performs independent credit analysis and risk assessment of new and existing credit requests, including analysis of financial statements and third-party reports such as property appraisals.

Collaborates with Relationship Manager to draft loan documents prepared by outside counsel or in-house counsel.

Recommends credit actions by preparing the Credit Approval Report (CAR) submitted to Credit Administration for final decisioning.

Works with Loan Administration to obtain due diligence information, underwrite credits, perform risk rating reviews, and monitor covenant compliance and ticklers.

Reviews Letters of Interest (LOI) for consistency with loan documents and CAM.

May conduct joint customer calls with RM to assess client needs, business, and management team.

Ensures compliance with applicable regulations, policies, and procedures; stays current with changes to banking regulation and completes bank training courses online and on time.

Maintains intermediate knowledge of appraisals, borrowing base reports, and collateral exams.

Completes Problem Loan Status Reports (PLSRs) with guidance from manager.

Monitors and identifies Risk Ratings for Borrowers in accordance with the Bank's Risk Rating Policies.

Upholds professional values including respect, integrity, diversity, and ethical conduct; adheres to EEO policies and promotes a harassment-free, inclusive workplace.

Performs tasks safely and reports potentially unsafe conditions in line with OSHA standards.

Performs other duties and projects as assigned.

What You'll Bring (Qualifications)

Bachelor's degree in accounting, finance, economics or related field and / or related work experience. Formal credit training and / or Intermediate / Financial Accounting 1 and 2 preferred; Intermediate / Financial Accounting 1 and 2 required.

Strong understanding of lending, including cash flow and collateral analysis and loan structuring.

Knowledge and compliance with relevant state and federal regulations (e.g., Reg Z, Reg B, FHA, HMDA, RESPA, FCRA, BSA / AML, CIP, RFPA, CRA) and Bank policies.

Working knowledge of the Bank's Loan Policies and Standards.

Proficiency in Microsoft Office; strong mathematical abilities; ability to prepare and interpret financial calculations and pricing alternatives.

Excellent organizational, time-management, and communication skills; analytical writing ability; ability to present and explain information.

Ability to make decisions with moderate impact on the immediate work unit and cross-functional teams; ability to work with little supervision.

How We'll Support You

Financial Security : Eligible for a 401k plan with 100% match of the first 4% of contributions, immediately vested.

Health & Well-Being : Comprehensive medical, dental, vision, AD&D, life, disability, HSA with employer contributions, and FSA options.

Building & Supporting Your Family : Adoption, surrogacy, fertility assistance, paid parental leave, and family support solutions.

Paid Time Off : Vacation, holidays, and volunteer time off.

Career Growth : Tuition reimbursement, mentorship program, leadership resources, and access to LinkedIn Learning.

Salary Range

The base salary is determined by education, experience, and market data.

Banc of California is an equal opportunity employer. All qualified applicants will receive consideration without regard to age, ancestry, color, creed, disability, marital status, medical condition, national origin, race, sex, gender, gender identity, gender expression, or sexual orientation. If you require reasonable accommodation during the application process, please contact Talent Acquisition.

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