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About the Role

Responsible for client portfolio growth and retention, collaborating with the Commercial Banking Regional Manager to deepen relationships. Develop robust relationship service plans through cross-selling bank products and services and forward-looking business planning. Facilitate comprehensive analysis of credit facilities to generate income and maximize Return on Assets (ROA).

Responsibilities

• Serve as primary contact for assigned complex Commercial or Business relationships across the Bank’s footprint.
• Proactively retain and expand client relationships through regular contact.
• Provide preliminary analysis and information for annual reviews, renewals, and new relationships.
• Monitor and assist with relationship profitability, retention, and growth.
• Respond timely to portfolio balance changes, including financial ticklers and covenant management.
• Maintain a loan portfolio, minimizing risk and adhering to Bank policy for delinquencies and weak loans.
• Recommend and model appropriate loan structures for expanding relationships.
• Ensure all necessary documentation for loan package completion is acquired.
• Coordinate with business partners or Regional Manager to identify expansion and retention opportunities.
• Conduct quarterly, semi-annual, or annual business reviews with partners for financial reports, industry outlook, and benchmarking data.
• Participate in research, preparation, and understanding of customer relationships and industry changes.
• Understand the Bank’s products and services and support the "Service with Solutions" culture.
• Identify referral opportunities and introduce other business lines.
• Review credit risk ratings and borrower/guarantor analysis.
• Assess changes, identify offsetting mitigates, and summarize recommendations.
• Maintain current understanding of Bank policies and procedures in compliance with federal and state laws, including BSA, Information Security, Identity Theft Red Flags, and Financial Elder Abuse Reporting.

Requirements

• 5 years of related experience within the financial industry.
• Financial analysis experience and credit training.
• Ability to fully analyze and underwrite all types of loans.
• Superior understanding and analysis of financial statements, collateral, DSCR, and covenant compliance.
• Ability to communicate effectively across all levels of financial literacy.
• Effective presentation skills to C-Suite executives and organizations.
• Experience with financial analysis programs and discounted cash flow models.

Skills

• Business acumen
• Communication skills
• Analytical skills
• Interpersonal skills
• Teamwork
• Customer service

Location

• Chico, California
• Roseville, California
• South San Francisco, California
• Bakersfield, California
• California

Experience Level

• 5 years of related experience

Education Level

• High school diploma
• Bachelor’s degree in accounting, finance, or business administration (recommended)

Salary/Compensations

• $102,230 to $127,790 annual salary
• Incentive opportunities

About the Company

• Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK).
• Headquartered in Chico, California, with corporate offices in Roseville, South San Francisco, and Bakersfield.
• Possesses nearly $10 billion in assets and 50 years of financial stability.
• Dedicated to providing exceptional service for individuals and businesses throughout California.
• Operates over 75 locations, offers advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide.
• Known as "California's Local Bank," prioritizing local bankers and local decision-making.
• Supports communities through corporate philanthropy, engagement, employee volunteerism, and investments.
• Recognized as a Top Workplace and Best Bank by various publications.
• Recruits and retains diverse and talented team members.

Equal Opportunity

• Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.