**Description** **BANC OF CALIFORNIA AND YOUR CAREER** Banc of California, Inc. (NYSE: BANC) is a bank holding company with over $34 billion in assets and the parent company of Banc of California. Banc of California is one of the nation's premier relationship-based business banks, providing banking and treasury management services to small, middle market, and venture backed businesses. As the largest independent bank headquartered in California, the bank offers a broad range of loan and deposit products and services through a network of full-service branches and regional offices, as well as through digital and nationwide capabilities. The bank also provides full-service payment processing solutions to its clients and serves the Community Association Management industry nationwide through its technology forward platform, SmartStreet. Banc of California is committed to supporting its local communities through the Banc of California Charitable Foundation and by partnering with organizations that promote financial literacy, job training, small business support, affordable housing, and more. At Banc of California, our success is powered by our people and a shared commitment to delivering meaningful results. We foster an environment where entrepreneurial thinking is encouraged, and accountability and operational excellence are expected. Our team members are empowered to take ownership, make informed decisions, and make a meaningful impact as the bank continues to grow and evolve. We are dedicated to supporting your growth and wellbeing through comprehensive benefits, robust development opportunities, and inclusive programs that enable you to perform at your best. Together we win! **THE OPPORTUNITY** Responsible for providing financial, credit, and trend analysis for the delivery of the Banks credit products and services to middle market and other business clients and prospects. Monitors assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Conduct annual reviews of loans and identify any risk rating changes. Keeps apprised of industry related, political and regulatory issues to determine their impact on specific industries or clients. Acts in an independent fashion from the sales teams to structure and evaluate credit requests. Is responsible for determining the credit worthiness of the Borrower and recommending credit decisions to Credit Administration. 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** + Independently evaluates and structures lower complexity credit requests, including, but not limited to cash flow lending, asset-based lending, term loans, and commercial real estate loans. + Performs independent credit analysis and risk assessment of existing credit requests. Including, but not limited to, preparing analysis of financial statements, and various other third-party reports such as property appraisals. + Prepare comprehensive credit packages and presentation for review by a credit administrator and transactional credit commitment (if requires), detailing the financial analysis, risk assessment, and recommendation for loan structure adhere to the Banc policies and procedures. + Prepare detailed financial models to forecast future cash flows and stress-test the borrower's ability to service debt under various economic scenarios. + Analyzing key financial metrics such as EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization), leverage ratios, Fixed Charge Coverage ratios, and working capital cycles. + Analyzing the quality of the collateral, lien position, and personal guarantees from the business owners and/or sponsors, and/or operators. + In conjunction with Relationship Manager, involved in reviewing loan documents prepared by outside law firm or in-house counsel. + Works with Loan Administration team to obtain due diligence information needed to underwrite the credit request, perform risk rating reviews, and/or monitor covenant compliance and ticklers. + Reviews the Letters of Interest (LOI) and insures consistency between the loan documents and the CAM. + May require some traveling for on-site client's calls with RM to build and support the bank-client relationship. + Ensures compliance with all applicable regulations, policies and procedures. Keeps up with changes to banking regulation and completes bank training courses on-line, and on time. + Has intermediate knowledge of appraisals, borrowing base reports, and collateral exams. + Completes Problem Loan Status Reports (PLSRs) with guidance from manager. + Provide ongoing monitoring of the borrower's financial health, collect & review periodic financial statements, ensure accurate risk rating under the Risk Rating policy, and proactively identify potential risks or signs of default. + Involved with inte