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Title: Commercial Credit Officer - Fresno
Code: 1474221501
Type: Commercial Credit Officer - Fresno
Status: Full Time
Location: Fresno - Fresno


The Commercial Credit Officer underwrites and coordinates the closing of commercial loans.  Performs detailed financial analyses of commercial customers of all types.  Provides technical assistance to relationship managers and regional commercial lending officers related to commercial banking products and services.




  • Provides customer service and operational support to commercial lending officers by servicing and monitoring credit relationships of new and existing customers.
  • Responds to and resolves customer requests or technical questions relating to loan and deposit accounts.
  • Prepares loan approval documentation and credit analyses on existing or potential customers.
  • Prepares various loan documentation requests and loan accounting worksheets.  Obtains account relationship information, such as average balances and liability calculations.  Obtains and computers interest charges on loans.
  • Assists in analyzing financial statements and other pertinent data to determine credit worthiness.
  • Assists in account planning process (loan structuring with customer).
  • Reviews and prepares documentation for payments and advances.




  • Coordinates loan documentation and loan closings.
  • Prepares customer correspondence.
  • Serves as initial customer contact for problem resolution.
  • Uncovers and follows up on cross-selling opportunities.
  • Maintains a current understanding of Bank procedures and policies, including regulatory compliance issues relating to lending that include but are not limited to, Home Mortgage Disclosure Act (HMDA) Reg B, Fair Lending, Bank Secrecy Act (BSA)/CIP/Office of Foreign Asset Control (OFAC) and Community Reinvestment Act.
  • Maintains a working understanding of Bank Operations (Payment processing, balancing, debits/credits, etc) as they relate to lending and loan processing.
  • Assists in any other areas as assigned.
  • May be notary.


TriCo Bancshares and Tri Counties Bank are headquartered in Chico, California. From a single bank on a tree-lined street in Chico 38 years ago, Tri Counties Bank has grown to 61 branches serving communities from Bakersfield to the Oregon border, from the Sierra Nevada to the wild north coast, with assets over $2.5 billion.


Tri Counties Bank offers financial services and provides a diversified line of products and services to consumers and businesses, which include demand, savings and time deposits, consumer finance, online banking, mortgage lending, and commercial banking throughout its market area. It operates a network of 67 ATMs and provides a 24-hour, seven days automated Customer Service Department. Brokerage services are provided at the Bank’s office by the Bank’s association with Raymond James Financial, Inc.


How has Tri Counties remained strong and profitable? A top-down commitment to responsible lending and sound business practices. Plus a dedication to service, convenience, and technology, including online and mobile banking, supermarket branches open seven days a week, and a 24-hour automated Customer Service Department.


But we know that our success is really based on our presence in the towns and cities we serve. We’ve always treated customers the way we want to be treated. Which makes sense, because we live here too. You may recognize us at baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams. The personal touch comes naturally to us.


Tri Counties Bank is an equal opportunity employer of women, minorities, protected veterans, and individuals with disabilities.





  • High school diploma or GED required.
  • Five or more years loan processing, underwriting or equivalent related job experience in a financial institution.
  • Complete working knowledge of commercial loan transactions.

Medical, dental and vision, Prescription Drug, Group Term Life/AD&D, Dependent Life and Supplemental Life Plans, Flex 125 Plans, Long Term Disability, Employee Assistance Plan, 401k Retirement Plan, Employee Stock Ownership Plan, Time Off Plans