Commercial Credit Analyst I

Come to work for a company you can be proud to work for.

The hiring range for this opportunity is $30.00 to $35.00 hourly 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

The Credit Analyst participates on a team which provides credit analysis on assigned commercial credits including statement spreading and analysis, tax return analysis, covenant management, annual credit reviews, problem loan reports, preparation of required underwriting forms, and packaging of the loan for submission to the loan documentation department. The Credit Analyst performs various tasks associated with support, reporting and control of the various commercial credit underwriting functions. Responsible for analyzing complex companies and industries and conducting presentations on findings to the Commercial Underwriters. The Credit Analyst analyzes commercial loan applications and renewals and prepares historical income and balance sheet statements, along with other reports, for the underwriting team. Follows for timely renewals, reporting requirements, compliance items, and delinquencies.

MAJOR RESPONSIBILITIES

• Inputs historical financial information to show financial trends, evaluate repayment, and mitigate risk.

• Analyzes key factors such as industry, management, and economic trends.

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

• Orders business credit reports and personal credit reports on business principals.

• Maintains and coordinates covenant management responsibilities for assigned region.

• Maintains a log of maturing lines and coordinates renewal process to ensure that necessary information is received prior to line maturity.

• Monitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate. Maintains a log of pending action or resolution for past due loans.

• Assists as needed in the preparation of Annual Credit Reviews and Problem Loan Reports.

• Analyzes commercial loan applications received by Relationship Managers to determine eligibility of request, providing prompt turnaround time. Confers with Relationship Managers to determine client needs and discuss options for borrowers. Requests any additional information needed to complete processing.

• Ensures the customer loan request is processed accurately and timely. Coordinates with appraisal department and escrow companies for secured loan products.

• Provides exceptional assistance and support to all Relationship Managers and Credit Administration.

OTHER RESPONSIBILITIES

• Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues. Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending.

• 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.

• Performs other work-related duties as assigned.

• Assists Regional Credit Administrators and Commercial Underwriters in the development and completion of special projects, spreadsheets, graphs, and reports as assigned.

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED

• High school diploma or GED required.

• Undergraduate degree in Finance, Business Administration or Accounting, or related work experience preferred.

• Established knowledge of financial accounting theory and logic, financial statement and business entity types, commercial products and services.

• Basic knowledge of financial analysis practices, principles, applications and analysis methods.

• Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.

• Ability to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel.

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

• Excellent verbal and written communication skills.

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.