Come join a bank you can be proud to represent. The hiring range for this opportunity is $120,000 to $150,000 annual salary 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 managing complex relationships and resolution strategies for the Bank's problem loan portfolio, including collection, restructuring, liquidation, and litigation support activities. The role evaluates credit risk, develops workout strategies, and ensures regulatory compliance while maximizing recovery outcomes. This position collaborates with internal stakeholders, external advisors, and borrowers to mitigate losses and resolve complex credit issues. Essential Duties Analyzes high-risk commercial loan portfolios, including financial, collateral, structural, and legal risks, to determine optimal workout strategies. Develops and negotiates restructuring and collection strategies with borrowers to maximize recovery and minimize loss exposure. Analyzes borrower financial condition, loan documentation, and collateral to determine repayment capacity and identify deficiencies. Monitors borrower performance, workout plans, and account activity to ensure timely repayment and identify emerging risks. Directs liquidation activities, including foreclosure of real property and disposition of non-real estate collateral assets. Coordinates with internal departments, legal counsel, consultants, and external stakeholders to execute workout and litigation strategies. Identifies and reports credit risk indicators, including risk ratings, nonaccrual status, and troubled debt restructures (TDRs). Responsible for ensuring compliance with regulatory requirements, internal policies, and legal standards in all restructuring, collection, and bankruptcy activities. Tri Counties Bank is committed to complying with all federal, state and banking (including consumer protection) laws and regulations and to maintain a strong corporate-wide culture of regulatory compliance. It is the individual responsibility of every employee to maintain a current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures and to comply fully with those laws, regulations, policies and procedures. Additionally, managers and supervisors are responsible for creating an environment in which they hold their employees accountable for the above.

Education High School Diploma or GED Bachelor's Degree Field of Study:

Finance, Business Administration, Accounting, or related discipline Skills and Knowledge 5 - 8 years: Extensive experience in special assets, commercial lending, or loan workout functions. Advanced ability to analyze complex commercial credits, including financial statements, cash flow, and collateral valuation. Proven ability to structure and negotiate loan workouts, restructures, and liquidation strategies with borrowers. Knowledge of secured and unsecured lending practices, loan documentation, regulatory requirements, and basic understanding of current bankruptcy laws pertaining to Chapters 13, 12, 11, and 7. Experience working with legal processes such as bankruptcy, litigation, and foreclosure proceedings. Ability to communicate effectively with internal stakeholders, customers, regulators, and external advisors. Disclaimer The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

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. Careers-TCB-Notice-of-Collection.pdf