Tri Counties Bank · 1 day ago
Business Banking Credit Portfolio Manager I
Chico, CA
Full-time
Onsite
New Grad, Entry Level
$28/hr - $34/hrTri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares, dedicated to providing exceptional service for individuals and businesses throughout California. They are seeking a Business Banking Credit Portfolio Manager I to manage a Business Banking portfolio, collaborate with Retail Banking staff, and ensure proper risk grading and credit analysis of loans.
BankingFinanceFinancial Services
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 for 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
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
Qualification
Required
High School diploma or equivalent required
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
Preferred
Bachelor's Degree in Accounting, Finance or Business Administration, preferred
Financial analysis experience and credit training desired
Related experience within the financial industry desired
Benefits
Fantastic, comprehensive benefits
Incentive opportunities
Competitive total compensation package
Company
Tri Counties Bank
Tri Counties Bank provides financial services and mobile banking access.
Founded in 1976
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1993-04-19IPO
Leadership Team
Angela Rudd
SVP Chief Risk Officer
Bret Funderburgh
SVP, Deputy Chief Credit Officer
Recent News
MarketScreener
2025-10-24
2025-10-23
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