Essential Duties and Responsibilities include the following.
Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater.
Keep up to date with the company's lending protocols.
Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision and a working knowledge of accounting principles and financial techniques.
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
The ideal candidate should be self-motivated, be a team player and have a 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.
Researches and summarizes industry information for potential and existing customers.
Runs credit bureaus and background checks for potential and existing commercial customers and guarantors to evaluate for potential credit worthiness and/or fraud.
Spreads financial statements and tax returns for potential and existing commercial customers and guarantors.
Other duties and responsibilities as assigned.
Supervisory Responsibilities
This job has no supervisory responsibilities.
Competencies - To perform the job successfully, an individual should demonstrate the following competencies:
Analytical and Problem Solving - Synthesizes complex or diverse information; Collects and researches data; Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.
Technical Skills - Strives to continuously build knowledge and skills; Shares expertise with others.
Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.
Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively.
Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Supports everyone's efforts to succeed.
Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values.
Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Demonstrates persistence and overcomes obstacles.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.
Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.
Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.
Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation.
Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; minimum of three or more years of credit analysis experience; or equivalent combination of education and experience.
Language Skills
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Mathematical Skills
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
Reasoning Ability
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Computer Skills
To perform this job successfully, an individual should have knowledge of basic knowledge of computer applications such as Moody's, the Internet, Outlook, Microsoft Word and Microsoft Excel. Ability to use basic office machines including 10-key, computer keyboard, telephone, fax machine and copy machine.
Bank Culture/Customer Service Skills
Promotes the Bank's culture, including the support of our Brand promise and Core Values.
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.
Compliance Requirements
Responsible for complianceunder therequirements of the BSA, AML, OFAC and CIP related policies as well as adherence to the bank's procedures to fulfill the requirements of the regulations. Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to walk and use hands to finger, handle, or feel. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.
Origin Bank
Oct 23, 2025