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 $24.80 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

Maximizes returns to the Bank through an aggressive, but orderly reduction of problem assets through the recovery of charged off loans and the modification of sold investor loans (Freddie Mac and Fannie Mae), portfolio loans, and Government loans that meet the criteria necessary for loan modification or other alternative to foreclosure. Responsibilities will include and are not limited to the following:

 MAJOR RESPONSIBILITIES

Work with Freddie Mac and Fannie Mae loans to report delinquency and other relevant milestone events (BK, etc..).  Use their EDR (Electronic Default Reporting) online monthly.   Review borrowers to for loan modification or other alternative to foreclosure, as applicable and available. Send out Borrower response packages (BRP) upon request.  Review complete packages and make recommendation to approve or decline. Work diligently with borrowers who demonstrate the willingness to work with Special Assets Management to minimize delinquency. Minimize the bank’s exposure to litigation and costs associated therein whenever possible. Assist Consumer Collections on collection calls. Restructure loan relationships for all types of loans assigned so as to protect, preserve and/or improve the position of the Bank while attempting to arrange a mutually beneficial solution for both the Bank and our customers. Process foreclosures and transfers into OREO of real property in order to maximize recovery to the Bank.  Ensures compliance as it pertains to the origination and processing of consumer loan alternatives to foreclosure, 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 Housing Act, Real Estate Settlement Procedures Act (RESPA), OFAC compliance, Identity Theft Protection, Non-public Personal Information  (NPPI) regulations, Unfair Deceptive or Abusive Act or Practices (UDAAP), Home Mortgage Disclosure Act (HMDA), Fair Debt Collections Practices Act and California Rosenthal Act.

 EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED

High school diploma or GED with a minimum of 5 years lending and/or workout experience or an undergraduate degree in Finance, Accounting, Business Management or other relevant discipline with at least 4 years lending and/or workout experience or an equivalent combination of education and training preferred. Experience in Mortgage Loans preferred Notary Public license preferred Experience in loss mitigations and workout of problem loans Must possess common sense and logic/knowledge to be able to formulate and strategize options for any given situation Able to utilize personal computers and Windows driven programs Proficient with MS Word, MS Excel Excellent verbal and written communication skills Working knowledge of Freddie Mac/Fannie Mae/Federal Housing Authority (FHA) default timelines and guidelines 

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.