Portfolio Manager - SBA

Banc of California - Santa Ana, CA (30+ days ago)2.9

Since 1941,
Banc of California (NYSE:BANC) has provided full-service banking and lending to individuals and their businesses, families and employees throughout California and across the West.

Today, with over $10 billion in consolidated assets, we are large enough to meet our clients’ banking needs, yet small enough to care and serve them well. Banc of California’s strong balance sheet, deep community roots and commitment to lasting and meaningful relationships are the foundation for its long record of success.


Responsible for creating credit spreads by spreading the financial statements of corporate and individual borrowers and performing cash flow analysis on the borrowers in the SBA loan portfolio. Assists Underwriters/Analysts and the Applicable Department Manager in overall management of credit clients, to include: requesting and collecting quarterly and annual financial statements, testing against Key Performance Indicators, and financial covenants; analyzing historical and projected financial performance, collateral values, and comparative industry data. Analyzes structures and recommends approval or decline of various servicing actions including collateral substitutions, additional guarantors, etc. Ensures that loans are maintained in accordance with covenants, bank policies and procedures and Standard Operating Procedures. Assists in managing Credit Risk associated with Treasury Management products not necessarily associated with Loan accounts. 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.

  • Responsible for spreading the financial statements and tax returns of clients and prospective clients.
  • Responsible for performing a thorough review of current and prospective clients by gathering and analyzing their background credit and legal information, to validate their credit worthiness and legal standing.
  • Performs independent credit analysis for annual reviews, loan renewals or modifications (i.e. prepare financial analysis of business and personal tax returns and financial statements) and risk rating certifications.
  • May be involved in underwriting and completion of Credit Approval Memos (CAM), as needed, for smaller credit transactions on an independent basis. Makes independent decisions regarding whether credit should be approved.
  • Prepares Risk Rating change memos under the supervision of Applicable Department Manager.
  • Determines initial Debt Service Coverage Ratio (DSCR) for credits as requested by Applicable Department Manager.
  • Tests and prepares Key Performance Indicators and Loan Covenant Compliance.
  • Works with Loan Servicing to ensure loans are boarded correctly to ensure data integrity.
  • Reviews daily overdraft report on assigned accounts. Works with Applicable Department Manager to avoid losses on overdrafts.
  • Ensures adherence to the Bank’s loan policies as well as Standard Operating Procedure, and actively incorporates them when underwriting credit.
  • Orders various third party reports timely, such as, collateral audits, and appraisal environmental reports; and develops an adequate knowledge of appraisal and environmental reports and policies.
  • Assists in managing Credit Risk associated with Treasury Management products not necessarily associated with Loan accounts.
  • Ensures compliance with all applicable regulations, policies and procedures, and stays abreast of emerging changes to banking regulation and completes bank training courses on-line.
  • Actively initiates problem loan identification and administration, as required. Writes Problem Loan Status Reports (PLSR’s) as required by policy and quarterly Risk Rating Certifications. Responsible for ongoing proactive and correct identification and monitoring of Risk Ratings for Borrowers under the Risk Rating Policies of the Bank; to ensure there are not Risk Rating upgrades or downgrades, when audited by internal or external auditors.
  • 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 and values.
  • Performs the position safely, without endangering the health or safety of 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 assigned.

  • 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.

    • 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), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, Anti-Money Laundering (AML) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA).
    • Solid understanding of basic loan documentation and creating a Perfected Lien.
    • Strong understanding of accounting and spreading the financial statements.
    • Strong skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook.
    • Advanced 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.
    • Effective organizational and time management skills. Ability to juggle multiple tasks simultaneously.
    • Exceptional oral, written and interpersonal communication skills. Analytical writing skills a must.
    • Ability to make decisions that have moderate impact on the immediate work unit and cross functional departments.
    • Ability to comprehend and explain financial calculations
    • Ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.
    • Ability to make informal and formal presentations, inside and outside the organization; speaking before assigned team or other groups as needed.
    • Ability to deal with complex difficult problems involving multiple facets and variables in non-standardized situations.
    • Ability to work with little to no supervision while performing duties.
    • Bachelor's degree in accounting, finance, economics or related field required, or non-business related degree along with sufficient coursework such as Risk Management Association, Omega credit training, or in-house financial institution credit training.
    • Four (4) or more years of related work experience and/or training preferred. Proficiency in Intermediate/Financial Accounting 1 and 2 required.
    • Financial analysis experience related to business and individual financial statements and tax returns preferred.