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About the Role

The Associate will analyze, evaluate, structure, underwrite, and close potential life insurance lending opportunities. This position requires the ability to work independently with limited day-to-day supervision. We seek smart, hard-working, and creative candidates; a perfectly applicable background is not necessary for success.

Responsibilities

• Evaluate senior and unitranche financing requests to determine credit quality and appropriate loan structures.
• Identify specific merits, risks, and mitigants for each transaction.
• Construct and maintain detailed financial models and develop sensitivity analyses.
• Generate internal approval memoranda and term sheets.
• Perform market, industry, and sponsor due diligence.
• Ensure business terms, concepts, and structure are accurately captured in loan documentation.
• Assist in all aspects of origination activity leading to the closing of new transactions.
• Follow all established policies and procedures.
• Perform other duties and projects as assigned.

Requirements

• 3-4 years’ experience in private equity or commercial lending.
• Bachelor’s degree required.
• Excellent attention to detail and accuracy.
• Must exhibit a significant level of trust, professionalism, diplomacy and conceptual judgement.
• Superior interpersonal verbal and written communication skills.
• Strong organizational skills with the ability to handle multiple priorities and projects simultaneously.
• Creative and strategic thinker capable of analyzing information/processes to determine overall trends and make appropriate conclusions.
• Ability to work independently yet collaborate cross-functionally in a team environment.
• Proven ability to use Microsoft Office Suite (Outlook, Excel, MS Word, and PowerPoint).
• High School diploma or equivalent required.

Skills

• Private equity
• Commercial lending
• Premium finance lending
• MBA or Masters
• Financial modeling
• Banking/financial/insurance business operations
• Industry trends
• Applicable federal and state banking regulations
• Credit risk/loan review and governance
• Multiple lending asset and loan collateral classes
• Accounting and finance
• Financial statement analysis

Experience Level

• 3-4 years

Education Level

• Bachelor's degree
• MBA or Masters
• High School diploma or equivalent

Benefits

• Eligible to participate in the company’s 401k plan which includes a company match and immediate vesting.
• Comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long-term disability.
• Pre-tax Health Savings Account with employer contributions.
• Pre-tax Flexible Spending Account (FSA).
• Adoption, surrogacy, and fertility assistance.
• Paid parental leave and family support solutions.
• Paid vacation days, holidays, and volunteer time off.
• Tuition reimbursement.
• Annual mentorship program.
• Leadership development resources.
• Access to LinkedIn Learning.

About the Company

• 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!

Equal Opportunity

• 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 their actual or perceived race (including traits associated with race, such as hair texture, hair type or protective hairstyles), religion or religious creed (including religious dress and grooming practices), color, sex (including pregnancy, childbirth, breastfeeding and related medical conditions), sexual orientation, gender, gender identity, gender expression, gender transitioning, citizenship status, national origin, ancestry, age, marital status, military or veteran status, medical condition, genetic information, or disability (mental or physical), requests for accommodation and any additional protected categories set forth in applicable federal, state or local laws.
• If you require reasonable accommodation as part of the application process, please contact Talent Acquisition.