Tri Counties Bank · 15 hours ago
Business Banking Underwriter II
Chico, CA
Full-time
Onsite
Mid, Senior Level
$73K/yr - $91K/yr
5+ years expTri Counties Bank is a well-established financial institution dedicated to providing exceptional service to individuals and businesses throughout California. The Business Banking Underwriter II is responsible for underwriting small business loan requests, analyzing financial information, and recommending loan actions while ensuring compliance with bank policies and procedures.
BankingFinanceFinancial Services
Responsibilities
Analyzes small business loan applications received by branches to determine eligibility of request. Provides prompt turnaround time upon request. Confers with branch personnel to discuss options for borrowers. Requests any additional information needed to complete processing. Approves or declines small business loan request within assigned limits. Recommends credit approval requirements and ensures accurate grading of new and existing credits based on analysis
Orders the preparation of loan documentation and reviews for completion
Provides assistance and exceptional sales support to all branches in answering questions relating to small business loans
Assures customer loan request is processed accurately and timely. Coordinates with appraisal department and escrow companies for secured loan products
Orders business credit reports and personal credit reports on business principals
Coordinates compliance, decline letter preparation and maintenance of adverse action database
Maintains a log of maturing lines and ticklers for account follow-up
Coordinates renewal process to ensure that necessary information is received prior to line maturation
Monitors past due loans originated by the Business Credit Center and recommends action to sales staff or contacts customers directly, as appropriate. Maintains a log of pending action or resolution for past due loans
Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues
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
Inputs application and financial information
Performs Credit Analyst duties in their absence
Performs other work-related duties as assigned
Qualification
Required
High school diploma or GED required
Minimum five years' 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
Must have substantial experience in credit scoring fundamentals and 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 Business Banking sales group
Provides assistance and exceptional sales support in answering questions relating to small business/commercial loans
Established analytical ability to underwrite all types of loan products
Excellent verbal and written communication skills
Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas
Ability to utilize personal computers and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications
Ability to complete a high volume of work efficiently and with accuracy
Preferred
College degree in Finance, Business Administration or Accounting, or related work experience preferred
Benefits
Fantastic, comprehensive benefits
Company
Tri Counties Bank
Tri Counties Bank provides financial services and mobile banking access.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1993-04-19IPO
Leadership Team
Angela Rudd
SVP Chief Risk Officer
Bret Funderburgh
SVP, Deputy Chief Credit Officer
Recent News
MarketScreener
2025-10-24
2025-10-23
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