The Regional Credit Administrator (RCCA) 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 RCCA has a strong credit background, including cash flow analysis, tax return analysis, balance sheet and income statement analysis and general commercial and consumer underwritingexperience. The RCCA is completely conversant in credit policy, procedures and underwriting guidelines as well as regulatory issues and actively uses this knowledge base to promote sound loan growth and portfolio management. The RCCA is responsible for managing the commercial underwriting process from origination to loan closing and manages a team of Commercial Credit Underwriters and Commercial Credit Analysts in providing excellent underwritingsupport to Relationship Managers and other Bank credit representatives. Provides expertise and mentoring in credit analysis and aids in structuring competitive credit packages that meet the needs of Bank customers, adequately protect the Bank and provide a fair return for the Stockholders.
The Regional Credit Administrator has strong leadership skills, is analytical, accurate, responsive, organized and able to communicate both orally and in writing. He or she has strong experience with commercial and real estate underwriting, managing the underwriting process, and overseeing a large credit portfolio.
The Regional Credit Administrator's responsibilities are as follows:
Credit Underwriting, Review and Approval
- Manages and provides guidance, training, and overall mentoring to a team of Commercial Credit Underwriters and Credit Analysts.
- 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 requiredfinancial information and measurement of financial performance covenants.
- Assures customer loan requests are processed accurately and timely.
- Analyzes moderately complex financial and credit information and assesses other key risk factors such as management depth, industry characteristics and economic trends.
- Requests any additional information needed to complete processing and recommends any additional credit approval requirements.
- Recommends credit approval requirements including the establishment of financial performance covenants, monitoring requirements, and other loan provisions and ensures accurate grading of new and existing credits based on credit analysis and a detailed knowledge of the Bank's risk rating system.
- Uses a thorough understanding of the Bank's Underwriting Guidelines, Policies & Procedures as well as exceptional analytical skills and underwritingexperience to review and approve or decline loan requests within assigned loan limits and recommends credit beyond those limits to senior credit administration staff for approval.
- Updates loan application database throughout underwriting process.
Communication & Support
- Assists Underwriters and Relationship Managers as needed in the review and approval of Credit Approval requests, Interim Credit Reports and Annual Credit Reviews.
- Confers with Underwriters, Relationship Managers and regional/branch personnel to determine client needs and discuss viable credit options.
- Recommends appropriate business lending pricing and underwriting strategies to underwriters and the Bank's sales personnel.
- 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.
- Supports all sales staff in answering questions relating to commercial credit.
- Supports and facilitates coordination with internal departments such as appraisal, documentation and legal as well as external vendors such as title companies to ensure that customer loan requests are processed accurately, timely and in a way that protects the Bank.
- With assistance from his/her underwriting staff, manages assigned portfolio of commercial loans ensuring timely renewals, minimal delinquency, required periodic reporting, compliance with covenants, appropriate grading, reporting requirements, and early identification of potential weaknesses.
- Oversees and coordinates the renewal process to ensure that necessary information is received prior to line or loan maturity.
- Monitors past due loans within assigned portfolio and recommends/approves actions to sales staff or contacts customers directly, as appropriate.
- Ensures a log is maintained of pending action items for the resolution of past due loans.
- Ensures the coordination and maintenance of compliance items including decline letter preparation and the maintenance of adverse action database.
- Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues. Maintains a working knowledge of regulatory requirements relating to commercial lending 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 the Senior Commercial Credit Administrator or Chief Credit Officer in the development and completion of special projects, spreadsheets, graphs, and reports as assigned and in the preparation of Director Loan Packages when required.
- May be asked to provide formal or informal training and support to various colleagues within the bank and across multiple job functions with regard to credit fundamentals, policy, and underwriting techniques and guidelines.
- Performs Credit Underwriting duties as needed.
- Performs other work-related duties as assigned.
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 bankingfinancial services, along with convenient around-the-clock ATM, online and mobilebanking 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.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities