Consumer Credit Analyst I

Come join a company you can be proud to represent...and enjoy fantastic, comprehensive benefits.

The hiring range for this opportunity is $25.50 to $34.00 hourly along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.

POSITION SUMMARY

The Consumer Credit Analyst I reviews and processes consumer loan requests based on credit, financial, and collateral information.  In some cases the credit analyst will make recommended credit decisions to consumer underwriters, who will make the final approval decision.  This position is also responsible for coaching the sales staff on ways to maximize current loan requests and provides exceptional customer service to branch managers and sales staff.  

MAJOR RESPONSIBILITIES

• Analyzes consumer loan applications received to determine eligibility.  Confers with branch personnel to discuss borrower options.  Requests and reviews any additional information needed to complete loan process. Approves or declines consumer loan requests within assigned loan limits.

• Reviews and Analyzes incoming collateral reports (i.e. title reports, appraisal reports)

• Prepares HELOC files for loan documents

• Provides assistance and exceptional sales support to branch staff in answering questions relating to consumer-based loans.

• Assures customer loan request is processed accurately and timely.  Coordinates appraisers, title companies and flood certifications for equity based products.

• Maintains a current understanding of underwriting guidelines, procedures, policies and compliance issues.

• Assists with initial application set up to ensure application are compliant and have met proper timing for required disclosures

OTHER RESPONSIBILITIES

• Provides coverage in any area needed in the absence of a team member

• Performs other work-related duties as assigned by supervisor or manager.  

• Ensures compliance as it pertains to the origination and processing of consumer loans with all applicable regulatory requirements including but not limited to; SAFE Act, Equal Credit Opportunity Act (Reg B), Truth In Lending (Reg Z), Bank Secrecy Act (BSA), Fair Lending, OFAC compliance, Identity Theft Red Flags, privacy-GLBA and Non-public Personal Information (NPPI) regulations, Unfair Deceptive or Abusive Act or Practices (UDAAP).

• 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.

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED

• High school diploma or GED required.

• Established analytical ability to underwrite all types of consumer-based loan products.

• Excellent verbal and written communication skills.

• Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.

• Ability to analyze federal and state tax returns and financial statements in order to make sound credit decisions.

• Ability to utilize personal computers and Windows driven programs.

• Ability to complete a high volume of work with accuracy.

COMPANY PROFILE

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, with assets of nearly $10 billion and 50 years of financial stability.

Tri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide.

As California's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism and investments. Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members.

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

Careers-TCB-Notice-of-Collection.pdf