AVP, Commercial Banking Associate

• Applies existing guidelines and procedures when proposing solutions within the department.
• Uses sound judgment and experience to work through potentially complex problems based on precedent, example, reasonableness or a combination of these.
• Maintains up to date knowledge of banking services and implementation processes.
• Assists with loan portfolio, maintenance, including: tickler system management; past-due collections; financial reporting collection, organization, and analysis; covenant compliance testing;
• Performs credit and financial statement analysis, including spreading, projection modeling, and underwriting work. Prepares concept memos for Credit Administration approval and Letters of Intent for Borrower execution.
• Interface with the prospective client, if directed, to collect all necessary financial information and formation documents, review, all information for completeness and accuracy, and continuously follow up with the client until all information is collected.
• Performs reviews of potentially complex legal entity documentation, and facilitates due diligence and BSA documentation.
• Works in tandem with the Relationship Manager to review and participate in negotiation of potentially complex legal documentation with outside counsel and specialists within the Bank.
• Works with loan coordinator and loan closing team to facilitate seamless loan closing experience for client.
• Works with deposit and treasury management operations teams to ensure positive client experience.
• Work with the Appraisal department to order the appraisal and environmental reports as well as preliminary title reports.
• Provides effective customer service and assists in resolving problems within given authority.
• Escalates customer calls and/or problems accounts as appropriate.
• If applicable will primarily support the Commercial Real Estate Relationship Managers with the management of the Commercial Real Estate Bank Portfolio.
• Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept 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 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 assigned.

• 3-5 years of experience in the banking and/or financial services industry required.
• Bachelor’s Degree and/or relevant work experience or training
• 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).
• Intermediate knowledge of bank products and services including Bank Secrecy Act compliance.
• Effective organizational and time management skills.
• Intermediate skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook.
• Intermediate typing skills to meet production needs of the position.
• Superior financial math skills; financial ratios, 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 graphs.
• 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 work with general supervision while performing duties.

• 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.

Pacific Western Bank