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Department: Commercial Credit Center
Grade: 15, 16, 17
Position Summary: The Commercial Underwriter underwrites commercial business, real estate, agriculture, and SBA 504 loan requests. The underwriter analyzes financial information, recommends loan actions, and approves loan requests within his or her authority as assigned. Analyzes commercial loan applications and renewals and determines credit worthiness and appropriate grading for consideration of the loan request. Assists the sales staff to maximize the cross sales effort as the loan request is being processed. Prepares loan for legal documentation and monitors the closing process. Follows for timely renewals, reporting requirements, compliance and delinquencies.
Commercial Underwriter II – Above plus the following: Substantial/proven experience in a small business/commercial lending environment. Must have substantial experience in small business/commercial lending and credit analysis. Must have a thorough understanding of commercial financial statements and an ability to communicate with commercial business owners. Must be able to analyze financial information, prepare cash flow and ratio analysis. Must have experience in loan recommendations and provide a concise loan write up. Experience in statistical portfolio management. Ability to supervise in manager's absence. Possess leadership abilities in a team environment and provide project leadership. Serves as a product specialist and a technical consultant to branches and sales staff and provides assistance and exceptional sales support in answering questions relating to small business/commercial loans. Provides guidance to the Commercial Underwriter I when appropriate and recommends appropriate loan structure when presented with loans for approval. Assists the Commercial Loan Supervisor in identifying training needs for staff within the department.
Commercial Underwriter III – Above plus following: Demonstrated ability to interpret and underwrite the most complex commercial credits in the Bank with minimal guidance or oversight. Subject matter expert across a broad range of credit topics including financial statements and cash flow analysis, the regional commercial real estate market, and working capital finance. Track record of appropriately utilizing credit approval authority to make sound credit recommendations on complex commercial credits in line with the Bank's credit culture, policies and procedures. Will serve as team leader for respective regional commercial underwriting group and in various departmental and bank wide projects. Must have ability to train and mentor junior credit personnel. Expert user of Bank systems, software, and third party vendor platforms. Ability to perform primary relationship management or credit administrator functions in place of Relationship Managers and Commercial Loan Supervisors.
Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California, providing a unique brand of customer Service with Solutions available in traditional stand-alone and in-store bank branches in communities throughout Northern and Central California.
The Bank provides an extensive and competitive breadth of consumer, small business and commercial banking financial services, along with convenient around-the-clock ATM, online and mobile banking access.
Tri Counties Bank has remained strong and profitable through a top-down commitment to its core values, sound business principles and responsible lending practices.
Our success is also based on our involvement in the communities we serve. The personal touch comes naturally to Tri Counties Bankers. You may recognize us at business, school and non-profit events, baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams.
ControlID: 14.234.89 SHR
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