Credit Analyst III

1 month ago

Dallas, United States Origin Bank Full time
Seeking an experienced Credit Analyst III. 5+ years of credit analysis experience required.

Location: Open to any locations in our markets. (in office position).

Summary: Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals; assumes Manager’s responsibilities in the absence of the Credit Analysis Manager by performing the following duties. The ideal candidate should be self-motivated, be a team player and have a strong work ethic.

Duties and Responsibilities:
  • 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 industry information; history of the borrower; or any information or articles on the internet that would pertain to the borrower positively or negatively.
  • 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.
  • 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.

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; five or more years credit analysis experience required; or equivalent combination of education and experience.

Supervisory Responsibilities:
  • Supervises employees of the Credit Analysis Department in manager’s absence, principally in remote markets.
  • Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
  • Responsibilities include training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.

Competencies - To perform the job successfully, an individual should demonstrate the following competencies:
  • Analytical - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.
  • Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.
  • Interpersonal Skills/Customer Service - Maintains confidentiality; Manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments.
  • Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively.
  • Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
  • Change Management and Delegation - Communicates changes effectively; Delegates work assignments.
  • Leadership and Managing People - Exhibits confidence in self and others; Inspires and motivates others to perform well; Gives appropriate recognition to others; Makes self available to staff; Develops subordinates' skills and encourages growth; Continually works to improve supervisory skills.
  • Organizational Support - Follows policies and procedures; 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; Makes timely decisions; Demonstrates persistence and overcomes obstacles.
  • Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Ability to effectively manage competing deadlines for projects.
  • Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Ability to maintain confidentiality.
  • Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.
  • Adaptability, Initiative and Innovation - Adapts to changes in the work environment; Manages competing demands; Able to deal with frequent change, delays, or unexpected events; Asks for and offers help when needed; Generates suggestions for improving work.
  • Attendance/Punctuality and Dependability - Is consistently at work and on time; 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; five to eight years credit analysis experience required; or equivalent combination of education and experience.
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 Excel.
  • Ability to use bank-specific software such as MPC, IBS, ADP, and other programs that aid in statistical and financial calculations.
  • Proficiency with financial reports and statements.
  • Ability to use basic office machines.

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.

Physical Demands: 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 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.

About Origin Bank:

Deeply rooted in Origin’s history is a culture committed to providing personalized, relationship banking to businesses, municipalities, and personal clients to enrich the lives of the people in the communities it serves. Origin offers a broad range of financial services and currently operates 60 locations throughout Texas, Louisiana, Mississippi, Alabama and the Florida panhandle. In today’s banking landscape, technology is the rule – human interaction and genuine relationships are the exception. Origin Bank delivers on both.

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