At Origin Bank, we offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. We're committed to helping you grow both professionally and personally in an environment where people come first.
Requirements
- Analyzes credit data to estimate degree of risk involved in extending credit or lending money to commercial businesses or individuals
- Leads and mentors assigned analysts and assumes the responsibilities of a manager
- Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater
- Keeps up to date with the company’s lending protocols
- Research skills
- Strong problem-solving, mathematical and analytical skills
- Excellent written and verbal communication skills
- Ability to maintain confidentiality
- Proficiency with computers and computer software, like programs that aid in statistical and financial calculations
- Proficiency with financial reports and statements
- Strong attention to detail and ability to notice discrepancies in data
- Impeccable understanding of financial statements, ratios, and concepts
- Self-motivated, team player and strong work ethic
- Performs loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater
- Performs cash flows, financial credit analysis, collateral valuations, global cash flows, etc. for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater
- Accompanies relationship managers on customer calls and site visits of potential and existing customers as requested / needed
- Performs ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed
- Identifies policy, collateral, and missing document exceptions
- Identifies strengths and weaknesses of the relationship
- Assists relationship managers in structuring credits, assessing covenants and monitoring procedures
- Responsible for training and development of new relationship managers on the credit analysis process
- Responsible for training, development, and mentoring of new credit analysts and the CDP analyst on the credit analysis underwriting and processes
- Manages and develops Credit Analyst II / III in the department along with the CDP Analyst (Credit Analyst I)
- Distributes and assigns work flow based on knowledge and complexity in credit manager’s absence
- Assists Loan Committee, as needed, with reports, agenda, meeting book, minutes of meetings, and any other duties in Credit Analysis Manager's absence
Benefits
- Generous Paid Time Off
- 401k Matching
- Retirement Plan
- Health and wellness program
- Free access to certified financial professionals
- Diversity and inclusion programs
- Professional development opportunities
- Team-oriented culture
- Competitive salary and bonuses
