Credit analyst jobs in Maryland

**BANC OF CALIFORNIA AND YOUR CAREER** Banc of California, Inc. (NYSE: BANC) is a bank holding company headquartered in Los Angeles with one wholly-owned banking subsidiary, Banc of California (the "bank"). Banc of California is one of the nation's premier relationship-based business banks focused on providing banking and treasury management services to small, middle-market, and venture-backed businesses. Banc of California offers a broad range of loan and deposit products and services, with full-service branches throughout California and Denver, Colorado, as well as full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more. At Banc of California, our success is driven by our people, and we take pride in fostering an environment where everyone can reach their full potential. We embrace a culture of empowerment, progressive thinking, and entrepreneurial spirit, ensuring our team members have an opportunity to make an impact and play an important role in the future of Banc of California. Our core values - Entrepreneurialism, Operational Excellence, and Superior Analytics - empower us in creating a dynamic and inclusive workplace. We are committed to supporting your growth and well-being with comprehensive benefits, career development programs, a variety of employee resource groups, and more. TOGETHER WE WIN **THE OPPORTUNITY** Responsible for assisting Underwriters, Relationship Managers and Portfolio Managers with the credit origination process, financial reviews and analysis both related to new loan opportunities and the existing client portfolio. Reviews borrower information, perform credit/financial analysis and Know Your Customer (KYC) due diligence and insure initial application process meets regulatory and Banc standards. Primary focus of attention is creating credit spreads of financial statements of corporate and individual borrowers and prospects, and performing cash flow analysis on request when warranted. In support of the Portfolio Managers, monitors assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Keeps appraised of industry related, political and regulatory issues to determine their impact on specific industries or clients. 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** + Responsible for spreading operating history, personal and entity financial statements and/or tax returns, as applicable and required for both existing customers and prospects. + Proactively and efficiently oversee the analyst workflow inbox, prioritizing high importance assignments, and conducting follow-up to ensure completion of tasks within the agreed deadlines. + May monitor financial and covenant compliance in conjunction with Underwriters/Portfolio Managers, as applicable, and identify potential risk factors such as credit deterioration. + Prepare comprehensive global cash flow and debt service analysis exhibits related to both new loan opportunities and existing loan renewals. + Ensure that covenant definitions in ncino undergo thorough quality control (QC) as part of the analyst workflow and actively communicate with Relationship Managers/Underwriters/Portfolio Managers to resolve discrepancies. + May assist with the underwriting and completion of Credit Approval Memorandums (CAM), coordination and preparation for portfolio reviews and audits, and monitoring and reporting of the origination process and portfolio review activities, as applicable. + May assist with the coordination and preparation for portfolio reviews and audits, and monitoring and reporting of the origination process and portfolio review activities, as applicable. + Conduct professional and courteous correspondence with clients. + Foster effective collaboration with internal and external associates Collect all 3rd party vendor reports including due diligence, proof of insurance, recorded title and property taxes + Ensure compliance with all applicable regulations, policies and procedures. + Keep up with changes to banking regulation and completes bank training courses on time. + 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. **WHAT YOU'LL BRING** + Bachelor's degree in accounting, finance, economics or related field and 3-5 years of work experience or equivalent combination of education, training and experience. + Financial analysis experience working with business financial statements and tax returns and individual financial statements and tax returns preferred. + Demonstrate 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). + Basic skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook. + Proficiency in intermediate math and accounting skills required. + Effective organizational and time management skills. + Ability to grasp and understand mathematical concepts, including accounting concepts, balancing, loan interest 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 deal with problems involving multiple facets and variables in non-standardized situations. + Excellent time management skills and accustomed to working with deadlines. **HOW WE'LL SUPPORT YOU** + **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 offeradoption, 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. **SALARY RANGE** The full-time base salary range for this position is $75,000.00 - $100,00.00 USD a year. The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, abilities of the applicant in alignment with market data and other factors. 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. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition. Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (**************************** notice from the Department of Labor. Equal Opportunity Employer PacWest Bancorp and its affiliates are fully committed to the principles of equal opportunity and diversity. We take pride in building a workplace culture where all employees feel supported and respected, and have equal access to career and development opportunities without regard to race, religion/creed, color, national origin, age, marital status, ancestry, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), gender identity/expression, sexual orientation, veteran status, physical or mental disability, medical condition, military status, genetic information, or any other characteristic protected by federal, state or local laws.