Senior Credit Analyst

3 days ago

Dallas, Texas, United States Origin Bank Full time
About the Role

Origin Bank is seeking an experienced Senior Credit Analyst to join our team. As a Senior Credit Analyst, you will be responsible for analyzing credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals.

Key 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 and ensure compliance with regulatory requirements.
  • 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 and history of the borrower to assess creditworthiness.
  • Perform loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.
  • Perform 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.
  • Accompany relationship managers on customer calls and site visits as requested/needed.
  • Perform ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed.
  • Identify policy, collateral, and missing document exceptions and take corrective action.
  • Identify strengths and weaknesses of the relationship and provide recommendations for improvement.
  • Research and summarize industry information for potential and existing customers.
  • Run credit bureaus and background checks for potential and existing commercial customers and guarantors to evaluate for potential credit worthiness and/or fraud.
  • Spread financial statements and tax returns for potential and existing commercial customers and guarantors.
  • Identify policy, collateral, and missing document exceptions and take corrective action.
  • Identify strengths and weaknesses of the relationship and provide recommendations for improvement.
  • Assist 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.
Requirements
  • 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.
  • Knowledge of basic 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.
  • 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.

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