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Title: Commercial Loan Supervisor
Code: 1491523601
Type: Commercial Loan Supervisor
Status: Full Time
Location: Chico - Chico
Description:

POSITION SUMMARY

 

The Commercial Loan Supervisor (CLS) reviews and approves a broad range of commercial credits and credit exceptions, which fall outside the approval authority of individuals, departments, branches or regional commercial banking offices.  The CLS has a strong credit background, including cash flow analysis, tax return analysis, balance sheet and income statement analysis and general commercial and consumer underwriting.  The CLS is completely conversant in credit policy and procedures as well as regulatory issues and actively uses this knowledge base to promote sound loan growth and portfolio management.  The CLS helps Relationship Managers, Branch Managers and the Bank’s credit representatives structure competitive credit packages which meet the needs of our customer base, adequately protect the Bank and provide a fair return for the Stockholders.  In addition, the CLS is responsible for managing the commercial underwriting process from origination to loan closing, including direct supervision over a team of Commercial Credit Underwriters and Credit Analysts.

 

MAJOR RESPONSIBILITIES

 

  • Reviews and approves/declines various loan requests as appropriate.
  • Manages and provides guidance, training, and overall mentoring to a team of Commercial Credit Underwriters and Credit Analysts.
  • Confers with regional/branch personnel to discuss options for borrowers.
  • Participates with Relationship Managers, Branch Managers, and the Bank’s credit representatives on both internal and external customer calls as appropriate, providing credit expertise in support of the commercial lending sales function.
  • Requests any additional information needed to complete processing and recommends any additional credit approval requirements.
  • Recommends business lending pricing and underwriting strategies to credit administration.
  • Approves or declines loan requests within assigned loan limits.
  • Assures customer loan requests are processed accurately and timely.
  • Responsible for the overall processing of commercial loan requests, from origination to loan closing, including the loan documentation/boarding process and post-closing follow-up items such as the gathering of required financial information and measurement of financial performance covenants.
  • Manages assigned portfolio with respect to timely renewals, delinquency, appropriate grading and other required reporting
  • Provides exceptional assistance and support to all branches in answering questions relating to loans.

 

OTHER RESPONSIBILITIES

 

  • Maintains a working knowledge of Bank’s underwriting policy and procedures as well as regulatory requirements for documentation and regulations relating to lending.
  • Maintains a current understanding of and complies with Reg B – Fair Lending, Community Reinvestment Act, HMDA, Bank Secrecy Act, Suspicious Activity Reporting, CIP, Gramm-Leach Bliley Act – information privacy, and OFAC regulations.
  • Actively involved in the review and creation of existing and new credit policies, underwriting guidelines and templates, and various other forms and procedures.
  • Assists Chief Credit Officer in preparation of Director Loan Packages, ALLL analysis, and other reports as needed.
  • Performs other work-related duties as assigned.

 

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.

Prerequisites:

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED

 

  • Undergraduate degree in business or related field, preferred.
  • 7-10 years of increasingly responsible positions in areas of lending or credit within a financial institution.
  • Established analytic ability to underwrite diverse loan products.
  • Effective verbal and written communication skills including presentation skills.
  • Proven track record of success demonstrating leadership and management skills.
Benefits:

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.