FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Careers

 

At Beach Cities Commercial Bank, we foster a culture of collaboration, integrity, and continuous growth. Our team is driven by a shared commitment to excellence and community impact. We offer a dynamic, inclusive environment where your contributions are valued and your career can thrive.

 

No open roles at this time. 

 

 

Explore current opportunities:

 

Office Location: Irvine, CA

Position Summary

Beach Cities Commercial Bank is looking to hire a Specialty Lending Manager with experience producing SBA loan products.

Key Responsibilities:

  • Manage SBA Team members and recruiting staff – be a true “Player/Coach” by leading and participating in guiding loans through the pipeline from application through funding.

  • Underwrite new Conventional loan products

  • Underwrite new SBA guaranteed loan products, primarily 7a and 504 loans following the Bank’s lending policy and procedures, SBA guidelines and general prudent lending practice.

  • Underwrite new State guaranteed loan products

  • Perform financial and ratio analysis on collected financial information to evaluate financial condition/capacity of each applicant.

  • Review real estate appraisal, environmental studies and business valuation to analyze collateral adequacy.

  • Prepare a comprehensive credit memo on each loan request for presentation to proper approval authority.

  • Monitor and service existing loan portfolio.

  • Prepare and update daily, weekly and monthly administrative reports

  • Promote and cross sell the Bank’s services and products.

  • Perform other duties as assigned.

  •  Assist the Sales Team on government guaranteed leads

  • Reports to Chief Credit Officer

 

Qualifications:

  • 5-10 years Commercial Lending with minimum of 5 years of SBA Lending and 3 to 5 years of secondary market experience

  • Formal credit training required

  • Must be detail oriented and possess verbal and numeric aptitudes as well as the ability to communicate effectively with others both verbally and in written communication

  • Extensive knowledge of government guaranteed products, credit policy, processes and procedures

  • Must have SBA/California State Guarantee portfolio management, servicing and document origination experience

  • NAGGL/NADCO Certification a plus

 

Additional Information

This job description outlines the general nature and level of work performed. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

Office Location: Irvine, CA

Reporting To: President 

 

General Job Description:

The EVP/COO/CRO is an executive leader responsible for the overall responsibility for adherence with regulatory compliance and operational risk through the effective management of Bank staff, leading to growth and profitability.

 

Major Duties and Responsibilities:

  • Responsible for all Compliance, BSA/AML/OFAC and Operational functions including, but not limited to, all legal matters, and fraud, ensuring internal controls and compliance efforts are maintained and appropriate for the size and complexity of the Bank and in line with the expectations of federal and state regulatory authorities.

  • Serving as the Bank's Chief Risk Officer - Leading the organization's enterprise risk management framework, developing policies, controls, and monitoring processes to proactively manage risk exposure. 

  • Identifies new laws, rules, regulatory requirements and/or guidance, and incorporates such elements into bank policies and procedures to ensure compliance. 

  • Monitoring Audit program including scheduling, interface and resolution of any exceptions and recommendations and the resulting response and follow up to verify required corrective action has been implemented.  Direct reporting responsibility to the Audit Committee Chair on audit matters, facilitating independent oversight and resolution of audit and compliance issues. 

  • Represents the Bank in its relationships with regulators and auditors. 

  • Oversees staff training related to compliance programs including online compliance training, design, and job function specific profiles. 

  • In collaboration with the CEO and President sets and drives the organizational vision and mission, corporate strategy, and hiring needs. 

  • Develops actionable business strategies, objectives, and plans that ensure alignment with the bank's short- and long-term objectives. 

  • Strategically managing, organizing, and coordinating employees from different departments and locations to ensure efficiency and efficacy. 

  • Continually assesses, recommends and implements improved processes, efficiencies, and new technologies in collaboration with the other members of the Executive Team. 

  • Participates in various board committees and preparation of all  materials for the Audit Committee and ERM/Compliance/CRA Committee meetings

 

Officer Duties:

  • BSA Officer

  • OFAC Officer

  • Compliance Officer

  • Security Officer 

  • Audit Coordinator

 

Direct Reports: Director of Operations/ Treasury Management 

 

Additional Information

This job description outlines the general nature and level of work performed. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required.

 

  Submit Your Resume   

 

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

Office Location: Irvine, CA

 

Position Summary

Beach Cities Commercial Bank is looking to contract a Commercial Underwriter who is responsible for analyzing the financial strength, creditworthiness, and risk profile of existing and prospective business clients. They gather, analyze, and interpret financial information to structure credit transactions - such as lines of credit, term loans, and commercial real estate loans -that align with the bank's risk appetite and lending policies.  The underwriter prepares comprehensive credit memoranda, makes recommendations to loan committees, and monitors portfolio performance to manage risk. 

 

Key Responsibilities

  • Financial Analysis & Risk Assessment:  Perform in-depth analysis of financial statements, tax returns, and cash flows for Commercial & Industrial (C&I) and Commercial Real Estate (CRE) clients. Calculate and evaluate key metrics like debt service coverage ratios (DCR) and loan-to-value (LTV). 

  • Loan Structuring & Underwriting: Structure new credit requests, renewals, and modifications. Identify risks and propose appropriate mitigants, such as collateral, guarantees, or financial covenants to comply with the Banks loan policy. 

  • Credit Memorandum Preparation: Prepare clear, concise Credit Memorandums (CM's), documenting the borrower's operating performance, industry trends, and risk rating recommendations. 

  • Portfolio Management:  Monitor assigned portfolio for covenant compliance, track financial reporting requirements, and proactively indentify warning signs of deteriorating credit quality. 

  • Documentation & Compliance: Ensure all loan documentation adheres to internal policy and regulatory standards. Work with legal counsel and loan operations to finalize loan agreements. 

  • Collaboration: Partner with Relationship Manager (RMs) and Credit Officers to present credit information to management or the Loan Committee. Participate in credit calls as needed.

 

Required Qualifications

  • Education: Bachelor's degree in Finance, Accounting, Economics, or a related field.

  • Experience: 3-5+ years of experience in commercial lending, credit analysis, SBA lending, or portfolio management.

  • Skills

    • Strong underwriting of GAAP accounting principles and financial statement analysis.

    • Proficiency in financial spreading software (e.g., Baker-Hill, Moody's Analytics, nCino) and Microsoft Excel.

    • Excellent written and verbal communication skills for presenting complex credit topics.

    • Ability to work under time pressure in a fast-paced, high-volume environment. 

  • Knowledge: Working knowledge of SBA, C&I, and CRE loan products.

 

Preferred Qualifications

  • Formal Credit training (e.g., RMA or Omega).

  • Experience with specific industry sectors or SBA 504/7(a) programs. 

  • Experience in a client-facing role. 

 

Key Performance Metrics

  • Turnaround time for loan underwriting and memo preparation.

  • Quality and completeness of credit memos. 

  • Accuracy of risk rating assignments. 

  • Portfolio performance (delinquencies/non-performing assets).

 

Additional Information

This job description outlines the general nature and level of work performed. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required.

 

  Submit Your Resume  

 

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

Find us on: 

Office Location: Irvine, CA

Position Summary

The VP/Director of Operations is a senior leader responsible for driving operational excellence across branch banking services. This role combines strategic oversight with hands-on leadership to drive operational excellence, compliance, and customer satisfaction.
In addition, the role acts as a designated backup for Treasury Management Services, providing continuity of operations during periods of absence or unavailability of the primary treasury function holder.

Key Responsibilities:

  • Leadership & Management

    • Oversee daily branch operations, ensuring adherence to policies, procedures, and regulatory requirements.

    • Lead, coach, and develop branch staff to achieve performance goals and deliver superior client experiences.

    • Foster a culture of accountability, collaboration, and continuous improvement.

  • Client Service & Relationship Management

    • Ensure high-quality service delivery for retail, commercial, and treasury clients.

    • Resolve complex client issues promptly and professionally.

  • Risk & Compliance Management

  • Identify and mitigate operational risks through proactive controls and monitoring.

  • Ensure adherence to all banking regulations, including BSA/AML, KYC, and security protocols.

  • Maintain strong internal controls for cash management/Treasury, transaction processing, and fraud prevention.

 

  • Treasury Management Support

  • Support Treasury Management Officers with client onboarding, documentation, and service delivery.

  • Respond to client inquiries regarding treasury products such as ACH, wires, remote deposit, and fraud prevention tools.

  • Assist clients with troubleshooting, training, and password resets for online banking platforms.

  • Coordinate with internal departments to resolve client issues and ensure smooth implementation of treasury services.

 

Qualifications:

  • 8+ years of banking experience, including 3+ years in a leadership role.

  • Proven ability to lead teams, manage complex projects, and deliver exceptional client service.

  • Excellent communication, problem-solving, and organizational skills.

 

Additional Information

This job description outlines the general nature and level of work performed. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities