Banc of California, Inc.
(NYSE: BANC) is a bank holding company with approximately $9 billion in assets
and one wholly-owned banking subsidiary, Banc of California, N.A. (the “Bank”).
With our 700+ dedicated professionals, we provide customized and innovative banking
and lending solutions to businesses, entrepreneurs and individuals throughout
California. We proudly partner with community organizations that provide
financial literacy, job training, small business support, and affordable
housing to help improve the communities where we live and work. With a
commitment to service and building enduring relationships, we provide a higher
standard of banking.
for developing and managing a portfolio of primarily commercial clients in the
middle-market sector with greater than $50 million in total revenue. Grows
revenue for the Bank by successfully prospecting for new business, and
retaining and expanding existing client relationships. 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.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Develops and manages a
portfolio of primarily commercial clients ranging from complex credits to
deposit only relationships.
Acts as lead negotiator with
prospects and clients; negotiating transactions, documenting and closing loan
transactions, and ensuring conformance with bank policy and regulatory requirements.
Grows revenue by
successfully prospecting for new business, and retaining and expanding existing
client relationships via interest income, fee income and cash management revenue.
Prepares a Relationship Plan
and calling schedule for each client or prospect in conjunction with the
strategic business development program. Calls on prospective clients to discuss
and promote all bank products and services in order to establish a total client
Provides financial advice to
clients and identifies and sells appropriate bank products and services to
those prospects and clients. Discusses financing opportunities and develops solutions
to serve their financial needs.
Develops centers of
influence and organizational alliances to promote business growth. Maintains
continuous prospecting, referral, and sales
Builds strong relationships
with internal and external referral sources, and identifies business
opportunities and solicits referrals of other bank products or services and/or
external referrals from existing customers, and other professionals in the industry.
Develops a strong
understanding of the company, industry, business and needs to assist in client
calling efforts. Sets objectives for each relationship in terms of cross sell
opportunity and revenue contribution. Brings in product specialists, as
necessary, to help problem solve or structure
Exercises sound credit and
risk judgment in approving transactions. Recommends approval of credits
meeting the banks credit standards.
Structures credits jointly with Loan Portfolio Managers. Ensures the quality of
all business introduced to the bank.
Represents the bank by
actively participating in outside civic and community affairs, business and
industry- related organizations, and other professional activities as appropriate.
Interfaces with other bank
departments including the branches within their assigned area as necessary.
Defines responsibilities and coordinates objectives for all product areas in a
relationship or transaction. Resolves all
client needs and any internal issues.
Monitors and analyzes
relationship results and account activities. Determines client profitability.
Makes a recommendation regarding accounts to be further developed or
eliminated. Prepares reports for management.
Monitors portfolio for
quality, risk, and adherence to policy. Works with the appropriate staff
departments to resolve issues.
Maintains awareness of competitive products, practices, rates and
changes in market conditions.
Analyzes problem credits and meets with client to develop solutions to
minimize loss exposure.
Serves as a product
specialist acting as a technical consultant to clients and Relationship
Managers in various business segments and geographic locations, as needed.
expertise to manage workflow of complex portfolio relationships and their
particular needs, and is responsible for monitoring and mitigating any
operational risk factors.
Treats people with respect;
keeps commitments; inspires the trust of others; works ethically and with
integrity; upholds organizational values; accepts responsibility for own actions.
Demonstrates knowledge of
and adherence to EEO policy; shows respect and sensitivity for cultural differences;
educates others on the value of diversity; promotes working environment free of
harassment of any type; builds a diverse workforce and supports affirmative action.
Follows policies and
procedures; completes tasks correctly and on time; supports the company’s goals
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.
Performs other duties and projects as
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 age (40 and over),
ancestry, color, religious creed (including religious dress and grooming
practices), denial of Family and Medical Care Leave, disability (mental and
physical) including HIV and AIDS, marital status, medical condition (cancer and
genetic characteristics), genetic information, military and veteran status,
national origin (including language use restrictions), race, sex (which
includes pregnancy, childbirth, breastfeeding and medical conditions related to
pregnancy, childbirth or breastfeeding), gender, gender identity, gender
expression, and sexual orientation.
ESSENTIAL KNOWLEDGE, SKILLS, AND ABILITIES:
Demonstrates knowledge of,
adherence to, monitoring and responsibility for compliance with state and
federal regulations and laws as they pertain to this position including but not
limited to the following: Regulation Z (Truth in Lending Act), Regulation B
(Equal Credit Opportunity Act), FHA (Fair Housing Act), Home Mortgage
Disclosure Act, Real Estate Settlement Procedures Act, Fair Credit Reporting
Act, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money
Laundering and Customer Information Program, Right to Financial Privacy Act
(state and federal) and Community Reinvestment
Advanced skills in computer
terminal and personal computer operation; mainframe computer system; word
processing, spreadsheet and specialty software
Intermediate knowledge of
related state and federal banking compliance regulations governing lending
including but not limited to fair lending, privacy, RESPA as well as company
operational policies and procedures, and the company’s products and services.
Intermediate math skills;
calculate interest and percentages; balance accounts; add, subtract, multiply
and divide in all units of measure, using whole numbers, common fractions and
decimals; locate routine mathematical errors; compute rate, ratio and percent,
including the drafting and interpretation of bar graphs
and time management skills
Exceptional oral, written and interpersonal communication skills with the ability
to apply common sense to carry out
instructions, interpret documents, understand procedures, write reports and
correspondence, and speak clearly to customers and employees
Ability to make decisions that have significant impact on the immediate work unit
Ability to organize thoughts and ideas into understandable terminology
Ability to organize and prioritize own work schedule on a short-term and long-term basis
Ability to deal with difficult
problems involving multiple
facets and variables in non-standardized situations
Ability to work with little
to no supervision while performing duties
EDUCATION, EXPERIENCE AND/OR LICENSES:
Bachelor’s degree from an
accredited college or university, or equivalent work experience.
Five (5) or more years of
banking experience required.
Five (5) or more years of
commercial lending experience within the segment required.