Job Description

Come join a company you can be proud to represent.

The hiring range for this opportunity is $24.80 to $34.00 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

Performs reviews and documentation of Bank's commercial and small business loans to ensure compliance with established policies and standards. Reviews small- to mid- size loans of standard complexity. Analyzes and advises Lenders on modification to loan structure as needed to mitigate Bank risk/loss working with Senior documenters for guidance as needed. Prepares commercial loan documentation in accordance with legal enforceability requirements, TCB credit policy and procedures and regulatory statutes. Partners with a Senior Documentation Specialist to train and be able to complete the mid-large size/high complexity loans i.e Construction, Asset based and Letters of Credit

MAJOR RESPONSIBILITIES

•Ensure proper loan and collateral documentation by staying abreast of various laws, regulations, policies and procedures.

•Prepare loan documentation completely and accurately consistent with approval terms and conditions.

•Under the supervision of the Senior Documentation Specialist(s), draft ancillary agreements/documents outside of the documentation program as necessary to mitigate Bank's risk exposure.

•Under the supervision of the Senior Documentation Specialist(s), analyze proposed loan, and modify loan structure/requested documentation as necessary to mitigate Bank risk and loss.

•Ensure adherence to commercial and business banking credit policies, Bank underwriting, regulatory compliance, etc.

•Identify risks and make recommendations as needed based on specific loan transactions.

•Work with branch personnel/title company/insurance agents/appraisal/credit admin to address any problems discovered during the file review.

•Maintains a working knowledge of Entity/Collateral/Title documentation and concepts.

•Ensures proper loan and collateral documentation by staying abreast of and interpreting various laws, compliance regulations, policies and procedures, including GLBA Privacy, Regulation B, Fair Lending, BSA, OFAC and suspicious activity reporting.

OTHER RESPONSIBILITIES

•Working knowledge of all aspects of the commercial lending process.

•Familiar with a variety of the field's concepts, practices and procedures.

•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 GED required.

•Prior loan documentation experience

•Excellent organizational skills and the ability to work in a fast-paced environment.

•Strong computer skills including AS400 and Windows based systems.

•Excellent verbal and written communication skills.

•Possess a strong work ethic, the desire to learn and grow, and to contribute to achieving maximum team performance.

•Familiarity with lending related terms, concepts and software.

•Excellent organizational skills.

•Strong business, analytical and planning skills.


•Ability to manage multiple tasks and demands.

•Ability to work independently with minimal supervision. Ability to meet deadlines and effectively adjust to changing priorities.

PHYSICAL REQUIREMENTS

•May be required to lift up to 25 pounds.

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.

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.

Job Tags

Hourly pay, Local area,

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