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 $21.40 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 Special Assets Associate I attempts to secure payments on assigned consumer delinquent loan accounts to minimize loss to the Bank. In addition to the collection of delinquent accounts, a Consumer Special Assets Associate I also assist with more experienced Associates in the evaluation of the borrower for loss mitigation opportunities and/or other alternatives to foreclosure that may be available to avoid foreclosure, repossession and/or litigation, while staying in compliance with all local, state and federal rules.

The Consumer Special Assets Associate II attempts to secure payments on assigned delinquent loan accounts that may be both consumer and commercial loan types, to minimize loss to the Bank. In addition to the collection of delinquent accounts, a Consumer Special Assets Associate II may evaluate the borrower for loss mitigation opportunities and/or other alternatives to foreclosure that may be available to avoid foreclosure, repossession and/or litigation, while staying in compliance with all local, state and federal rules.

The Consumer Special Assets Associate III engages in advanced to minimize loss to the Bank. In addition to the collection of delinquent accounts, a Consumer Special Assets Associate III may evaluate the borrower for loss mitigation opportunities and/or other alternatives to foreclosure that may be available to avoid foreclosure, repossession and/or litigation, while staying in compliance with all local, state, and federal rules.

MAJOR RESPONSIBILITIES of our Consumer Special Assets Associate I

Assigned portfolio of consumer loan accounts including secured and unsecured loans. Assists in completing impairment activities that include financial analysis, downgrade recommendation, non-accrual and charge off as well as recommendations for repossession, referral to foreclosure and workout. Posts payments and adjustments to payment activities on assigned loan portfolio. Daily balancing of payment entries required. Reviews and analyzes all pertinent documentation on assigned delinquent loan accounts and related debt (Tie in debt, etc.) to ascertain reason for default, possible workout solutions and develop a least loss recommendation to management. Contacts customer by telephone and/or written correspondence to determine cause of delinquency and negotiates repayment. Absent live contact, skip trace using internal and external resources to locate and contact borrower. Documents Bank’s systems on actions taken to attempt repayment of delinquent loan accounts. Tracks negotiated repayment schedules until delinquency is cured.  Performs next level of action if repayment schedule is not adhered to as agreed. Notifies supervisor of accounts needing to be assigned to more specialized personnel or escalated.

MAJOR RESPONSIBILITIES of our Consumer Special Assets Associate II

Assigned a collection portfolio of secured and more complex consumer accounts, as well as commercial accounts Performs impairment activities that include financial analysis, downgrade recommendation, non-accrual and charge off as well as submits orders to vendors for repossession, referral to foreclosure and workout. Reviews and analyzes all pertinent documentation on assigned delinquent loan accounts and related debt (Tie in debt, etc.) to ascertain reason for default, possible workout solutions and develop a least loss recommendation to management. May also perform 2nd review of Associate I documentation Contacts escalated customer cases not resolved at first point of contact. Performs skip tracing to locate missing customers. May assign skip tracing activities to vendors Tracks negotiated repayment schedules. Performs next level of action if repayment schedule is not adhered to as agreed which may include direct engagement with internal or external Legal and/or Compliance. Posts payments and adjustments to payment activities on assigned loan portfolio. Daily balancing of payment entries required. May perform review of Associate 1 posting activities/balancing. Contacts more severely delinquent and complex loan portfolio customers Correspond with customers and external parties on delinquent loan accounts Recommends escalated course of action (Litigation, Set-off, charge off, etc.)

MAJOR RESPONSIBILITIES of our Consumer Special Assets Associate III

Assigned a portfolio of real estate secured accounts and non-real estate secured accounts for both consumer and commercial loans. May be required to serve as a “lead” for other Associates. Maintains thorough knowledge of Freddie Mac/Fannie Mae loss mitigation and collection guidelines to ensure compliance and quality control. Recommends suspension/cancellation of credit line accounts, repossessions, charge offs, downgrades and foreclosures for subject and related debt. Coordinates with other business units on default strategies to maximize recovery and minimize loss. Exercises effective pipeline management under minimal supervision, using analysis and problem-solving skills to determine the most prudent course of action while ensuring that regulatory requirements for contact efforts are met. May provide 2nd level of review/approval to Associate I/II Advanced understanding of loan payment history to identify misapplication of payment issues and the appropriate means with which to rectify them. Manages litigation portfolio with internal/external counsel. Expert witness in case of testimony requirements Recommends liquidation strategies

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED of our Consumer Special Assets Associate I

High school diploma or GED required. Relevant college degree preferred. 1-2 years’ experience servicing loans or equivalent work experience. Excellent verbal and written communication skills. Ability to utilize personal computers and Windows driven programs. Intermediate Microsoft Excel skills. Knowledge of loan collection procedures, Fair Debt Collection Practices, and related laws. Knowledge of loan products, interest accrual, etc.

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED of our Consumer Special Assets Associate II

High school diploma or GED required. College degree preferred. 2+ years’ experience servicing loans or equivalent work experience. Proficient in most facets of the job responsibilities with a working knowledge and understanding of Loan Servicing and Collections practices. Excellent verbal and written communication skills. Ability to utilize personal computers and Windows driven programs. Intermediate Microsoft Excel skills. Comprehensive knowledge of loan collection procedures, Fair Debt Collection Practices and related law. Knowledge of consumer loan products, interest accrual, etc.

EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED of our Consumer Special Assets Associate III

High school diploma or GED required. College degree preferred. 5 or more years of Collections, or related experience. Excellent verbal and written communication skills. Attention to detail. Analytical and problem-solving skills. Effective pipeline management Self-starter Ability to utilize personal computers and Windows driven programs. Intermediate Microsoft Excel skills. Knowledge of loan collection procedures, Fair Debt Collection Practices and related law. Knowledge of consumer and commercial loan products, interest accrual, etc.

COMPANY PROFILE

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California, with assets of nearly $10 billion and more than 45 years of financial stability. Tri Counties Bank provides a unique brand of Service With Solutions® for communities throughout California with a breadth of personal, small business and commercial banking services, plus an extensive branch network, more than 37,000 surcharge-free ATMs nationwide, and advanced online and mobile banking.

Tri Counties Bank remains strong and profitable through our top-down commitment to our core values, sound business principles and responsible lending practices.

Our success is also based on our community engagement. We still believe in the vision of the helpful and caring community banker. As we grow and serve more communities, we become more involved, providing substantial financial and volunteer support to local economies and community organizations. We applaud our employees who roll up their sleeves to work and volunteer for a greater good in our communities.

Tri Counties Bank hires individuals who are qualified for the role and who represent the communities in which we serve. We look to place people in positions where they can best utilize their abilities and strengths, and where they are able to grow with the Bank.

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