Relationship Associate

Tri Counties Bank; Roseville (CA); On-site; USD 30,000 - 39,000; Full time

Job summary

Tri Counties Bank in Roseville, California is seeking a Loan Servicing/Processing professional to support a small portfolio of business banking and commercial loans. You will handle loan documentation, coordinating closings, on-boarding, and risk management in collaboration with Business Bankers, Underwriters, and support teams.

A strong eye for detail, notary is a plus, and experience with nCino is preferred.

Qualifications

• Two years of loan processing or equivalent experience in a financial institution.
• Experience with nCino preferred.
• Strong ability to develop and manage customer relationships.
• Excellent organizational and communication skills.

Responsibilities

• Assist business bankers with loan documentation and credit analysis.
• Coordinate loan documentation and closings for assigned portfolio.
• Maintain compliance with bank policies and regulatory requirements.
• Input data into nCino to ensure accurate records.
• Respond to customer requests and support relationship management.

Skills

Loan processing

Customer relationship management

Notary

Communication skills

Education

High school diploma or equivalent

Tools

nCino

Job description

Job Category: Production / Commercial Lending

Come to work for a company you can be proud to work for...and enjoy fantastic, comprehensive benefits.

The hiring range for this opportunity is $22.00 to $28.00 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

Responsible for supporting a small portfolio of customers performing a variety of duties related to the processing of business banking, commercial, real estate, and/or lines of credit. Performs a variety of loan servicing duties for an assigned business banking loan portfolio to ensure satisfactory credit risk management, compliance with loan covenants and bank policies and procedures. Works directly with Business Bankers, Underwriters, Loan Originations, Branch and support department personnel and clients.

MAJOR RESPONSIBILITIES

• Assists business bankers in collecting loan documentation on existing or potential customers for credit analysis purposes. Collects necessary financial documents to satisfy ticklers and renewal requirements.
• Helps with customer onboarding, due diligence and other associate risk management matters where required. Analyzes applicant documentation and reviews legal entity documentation to determine account/loan signers.
• Orders DMV reviews, flood certificates, UCC searches, credit reports, appraisals, preliminary title reports and environmental reports as needed.
• Reviews preliminary title policies for accuracy and requests endorsements and lien releases as needed to perfect the bank’s lien position. Prepares lender’s instructions accurately.
• Reviews supporting documentation for accuracy and obtains underwriting approval for any changes. Input missing or modified information into nCino to ensure superior customer service and relationship management.
• Prepares and submits complete files for Loan Documentation. After credit approval, compiles all necessary information and documents required as a condition of loan approval according to the loan product.
• Coordinates loan documentation and loan closings establishing reasonable customer expectation for loan document signing and loan closing for all loans. Helps with document imaging including scanning of customer financial information, loan documentation and uploading documents to the imaging system.
• Processes and prepares documentation for payments, advances, and draws. Researches account relationship information in the Core system, such as balances, accrued interest, payment due, etc.
• Helps with coordinating documentation for new deposit accounts and assists with relationship maintenance.

OTHER RESPONSIBILITIES

• Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws.
• Responds to and resolves customer requests or technical questions relating to loan and deposit accounts.
• Attends all required training for professional growth.

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED

• High school diploma or equivalent, required.
• Two years of loan processing, or equivalent related job experience in a financial institution. Experience with nCino preferred.
• Complete working knowledge of business loan transactions.
• Ability to develop and manage customer relationships.
• Familiarity with Treasury Management products and services.
• Excellent organizational and time management skills.
• Excellent verbal and written communication skills.
• Notary desired.

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/Age/Disability/Veteran.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.