Business Banking Credit Portfolio Manager I

4 weeks ago

Chico, United States Tri Counties Bank Full time

Come to work for a company you can be proud to work for...and enjoy fantastic, comprehensive benefits.

The hiring range for this opportunity is $27.30 to $30 per hour along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.

POSITION SUMMARY:

Participates on a Team which performs various tasks associated with managing a Business Banking portfolio Collaborates with Retail Banking staff to proactively review for renewals and/or extensions of maturing credits prior to maturity.Responsible for the monitoring of the less complex and smaller dollar Branch assigned Business Banking portfolio and requesting and consistently following for updated financial information as needed.Learning to spread and analyze financial information when received, perform annual reviews on evergreen Small Business Lines, transfer to Special Assets as needed and completion of required underwriting forms.Support activities to deepen and retain portfolio relationships through identifying opportunities for Line increases and the cross selling of other bank products and services.Additional responsibilities will include ensuring relationships are properly risk graded through a comprehensive analysis that evaluates credit risk factors in assigned portfolio to proactively identify risk and mitigation of loan losses.Prepare complete Credit memos for approval or Adverse Action for denials.Recommend credit actions for approval based on total exposure.

MAJOR RESPONSIBILITIES:

•Maintain assigned loan portfolio, minimizing risk by maintaining delinquencies and identifying weak loans according to Bank policy.

•Maintain a log of maturing loans and coordinates renewal process to ensure that necessary information is received prior to maturity

•Maintain and coordinate Covenant management responsibilities.

•Ensure all documentation necessary for completion of loan package is acquired. Ensure loan documentation is accurate and reflecting the terms and conditions of loan approval before releasing documents foe signing.

•Provide secondary point of contact to proactively request and obtain financial information needed from the Borrower for Renewals, Modifications and Payoffs as needed.

•Order and interpret business credit reports, personal credit reports on business principals and SBSS scores. Order and review appraisals/evaluations and prepare and submit the documentation request to Loan Documentation.

•Input historical financial information into spreads to show financial trends, evaluate repayment and mitigate risk. Analyze financial statements and other pertinent data to determine credit worthiness and is developing the skills needed to make independent comments, conclusions and recommendations.

•Provide underwriting and prepare Credit Memo for Renewals and Modifications within assigned portfolio for recommendation to another Approving Officer based upon total credit exposure.

•Ensure the loan requests are processed timely. Coordinates with Title and Escrow companies for secured loan products as needed.

•Downgrade the Risk Grade of relationships with identified adverse financial conditions and complete Transfer to Special Assets when necessary.

OTHER RESPONSIBILITIES:

•Review of credit risk rating and borrower/guarantor analysis.

•Learn to assess changes, clearly identify offsetting mitigates and summarize recommendations.

•Understands the Bank's products and services and support Tri Counties' Service with Solutions culture.

•Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED:

•High School diploma or equivalent required.

•Bachelor's Degree in Accounting, Finance or Business Administration, preferred.

•Financial analysis experience and credit training desired

•Related experience within the financial industry desired.

•Exceptional communication and analytical skills. Good interpersonal skills, team oriented, and strong customer service skills.

•Ability to complete a high volume of work efficiently and with accuracy.

•Ability to work in a heavily deadline-oriented environment.

•Basic business acumen and ability to analyze small less complex loan types.

Company Profile

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California, with assets of nearly $10 billion and more than 45 years of financial stability. Tri Counties Bank provides a unique brand of Service With Solutions® for communities throughout California with a breadth of personal, small business and commercial banking services, plus an extensive branch network, more than 37,000 surcharge-free ATMs nationwide, and advanced online and mobile banking.

Tri Counties Bank remains strong and profitable through our top-down commitment to our core values, sound business principles and responsible lending practices.

Our success is also based on our community engagement. We still believe in the vision of the helpful and caring community banker. As we grow and serve more communities, we become more involved, providing substantial financial and volunteer support to local economies and community organizations. We applaud our employees who roll up their sleeves to work and volunteer for a greater good in our communities.

Tri Counties Bank hires individuals who are qualified for the role and who represent the communities in which we serve. We look to place people in positions where they can best utilize their abilities and strengths, and where they are able to grow with the Bank.

Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Disability/Veteran.

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