7+ years in commercial lending or credit risk management
Experience with credit examinations across diverse portfolios
Prior roles in credit review or credit administration at large financial institutions
Strong understanding of credit risk management principles and regulatory standards
Proficiency in Microsoft Office applications
Effective communication and analytical skills
Responsibilities
Support credit review examinations across various lending portfolios
Assist with issue management for lending unit examinations
Contribute to enhancements of the Credit Review program
Apply risk assessment frameworks to identify key credit risks
Document observations on underwriting and portfolio management practices
Evaluate management's effectiveness in administering credit risk
Perform detailed credit analysis and validate financial assessments
Benefits
401k plan with company match and immediate vesting
Comprehensive insurance options including medical and dental
Support for family-building initiatives like adoption and fertility assistance
Paid vacation days, holidays, and volunteer time off
Career growth opportunities including tuition reimbursement and mentorship programs
Full Job Description
THE OPPORTUNITY
Provides support to the execution of independent credit review examinations across loan portfolios to assess credit risk management practices, validate risk ratings, and confirm overall portfolio quality. Supports accurate reporting to the Board, Enterprise Risk Committee, executive management, auditors, and regulators. 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
Supports credit review examinations across a range of lending portfolios, including Venture Banking (Life Sciences and Technology), Equity Funds, Lender Finance, Corporate Asset Finance, Commercial Real Estate and Consumer portfolios.
Assists with the issue management process for lending unit examinations, including tracking findings, monitoring remediation progress, and supporting validation and closure activities
Contributes to ongoing enhancements of the Credit Review program by identifying gaps in coverage, consistency, and risk assessment practices
Applies established risk assessment frameworks to support identification and monitoring of key credit risks, including early signs of portfolio deterioration
Identifies gaps in underwriting, portfolio management practices, and risk rating accuracy; documents observations and escalates as appropriate
Supports the evaluation of management's ability to effectively administer credit risk, including exposures and portfolio concentrations
Performs detailed credit analysis across various products, including validation of financial analysis, global cash flow, and repayment sources
Assists in confirming that Credit Review risk rating changes are accurately reflected in systems of record
Monitors adherence to Credit Policies, Standards, and Procedures and helps identify control gaps and policy exceptions
Supports Examiner-in-Charge (EIC) efforts by assisting with coordination activities, maintaining workpapers, and ensuring documentation is complete and organized
Contributes to the development of risk-based findings and supports exam report preparation and management discussions
Maintains effective working relationships with lending teams, credit administration, internal audit, and other stakeholders
Completes due diligence reviews, targeted portfolio assessments, and other ad hoc assignments as needed
Follow all established policies and procedures.
Perform other duties and projects as assigned.
WHAT YOU'LL BRING
Bachelor's degree from an accredited college or university, or equivalent experience
7+ years of experience in commercial lending, credit risk management, underwriting, portfolio management, or related credit risk functions
7+ years of experience supporting credit examinations across a range of commercial and specialty credit portfolios, including Venture Banking (Life Sciences and Technology), Equity Funds, Lender Finance, Corporate Asset Finance, Commercial Real Estate and Consumer portfolios.
Prior experience within a large financial institution in credit review, credit administration, lending, or credit officer roles
Working knowledge of credit risk assessment, lending practices, and regulatory and internal credit standards
Experience working with credit systems and databases to support analysis and reporting preferred
Strong understanding of credit risk management principles, regulatory guidance, and credit administration practices
Solid knowledge of accounting principles as they relate to lending activities, as well as applicable state and federal regulations
Demonstrated ability to analyze a variety of commercial and consumer credit structures, including middle market and specialty credits
Ability to operate effectively in a client-focused, consultative environment
Proficiency in Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook
Strong analytical and problem-solving skills, including the ability to evaluate data, identify trends, and support risk assessments
Solid quantitative skills, including the ability to perform financial calculations and interpret data
Strong organizational and time management skills, with the ability to manage multiple priorities
Ability to work both independently and as part of a team, supporting broader examination efforts
Effective communication skills, with the ability to clearly document observations and support discussions with management
Ability to navigate complex situations with multiple variables and support issue resolution with relevant experience in Credit Review
High School diploma or equivalent required
HOW WE'LL SUPPORT YOU
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.
SALARY RANGE
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.
About Banc of California
Banc of California, Inc. is a bank holding company headquartered in Santa Ana, California. The company provides banking services to individuals and businesses throughout California. Banc of California operates through its subsidiary, Banc of California, N.A., which has over 30 branches throughout the state. The bank offers a range of deposit products, including checking, savings, and money market accounts, as well as various loan products, such as commercial and industrial loans, commercial real estate loans, and residential mortgage loans. Banc of California was founded in 1941 and went public in 2013.
