Commercial Loan Servicing Officer II or III

Hiring range: $26.00 to $38.00 hourly, plus incentive opportunities. Pay is based on qualifications, experience, and location.

About the role

The Commercial Loan Servicing Officer II or III supports a medium to large and/or complex portfolio of commercial, real estate, and construction loans with minimal supervision. Responsibilities include loan servicing duties to ensure credit risk management, compliance with loan covenants, and adherence to bank policies and procedures. This role works directly with Relationship Managers, Commercial Loan Underwriters, Loan Originations, branch personnel, support departments, and clients.

Responsibilities

• Assists Relationship Managers in collecting loan documentation for credit analysis on existing or potential customers.
• Collects financial documents to satisfy tickler and renewal requirements.
• Supports customer onboarding, due diligence, and risk management activities.
• Analyzes applicant documentation and reviews legal entity documents to determine account/loan signers.
• Orders DMV reviews, flood certificates, UCC searches, preliminary title reports, and environmental reports as needed.
• Reviews preliminary title policies for accuracy and requests endorsements and lien releases to perfect the bank’s lien position.
• Prepares accurate lender’s instructions.
• Reviews supporting documentation for accuracy and obtains underwriting approval for changes.
• Inputs 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/program.
• Coordinates loan documentation and closings, establishing reasonable customer expectations for signing and closing.
• Reviews the e-signature envelope of final loan documents for accuracy and completeness before sending to the borrower.
• Processes and prepares documentation for payments, advances, and draws.
• Researches account relationship information in the Core system, such as balances, accrued interest, and payment due dates.
• Assists with document imaging, including scanning customer financial information and loan documentation, and uploading to the imaging system. May provide quality control.
• Maintains current understanding of Bank policies and procedures, complying with federal and state laws, including Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, and Financial Elder Abuse Reporting.
• Manages an assigned portfolio of commercial loans while meeting department turnaround times and service agreements.
• Responds to and resolves customer requests or technical questions related to loan and deposit accounts.
• Prepares and reviews Ag tracking files to ensure clients remain within budget.
• Supports administrative activities related to FarmerMac loans.
• Attends required training for professional growth and actively participates in Lean training and value stream mapping.
• Applies root cause problem-solving to improve workflow processes through waste reduction and streamlining for scalability and sustainability.
• Performs other duties as assigned.

Requirements

• Associate of Arts degree and 5 years of related experience and/or training; or equivalent combination of education and experience.
• Financial institution operations, sales, or customer service background.
• 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.
• Ability to handle change and adapt to new information and technology platforms.
• Proficiency in Windows-driven programs, including Outlook, Excel, word processing, agricultural crop tracking, and budgeting programs.
• Notary preferred.

Qualifications for Commercial Loan Servicing Officer III

• All requirements listed for Commercial Loan Servicing Officer II.
• Associate of Arts degree preferred.
• Two or more years of experience as a Commercial Loan Servicing Officer II or equivalent.
• Experience assisting in managing the most complex commercial loans.

About the company

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. The bank has assets of nearly $10 billion and over 50 years of financial stability. Tri Counties Bank provides 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. Known as California's Local Bank, it prioritizes local decision-making and client service, supported by corporate philanthropy, community engagement, and employee volunteerism. Recognized as a top workplace and best bank, Tri Counties Bank values diverse and talented team members.