Covenant Compliance Review Analyst II

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If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us.

Job Description

Daily management support of assigned covenant compliance tests for commercial clients and desk top monitoring of borrowing base certificates as it pertains to asset-based line monitoring; as well as imaging documents received for asset based monitoring.

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Duties and Responsibilities include the following:

• Performs and administers the loan agreement covenant compliance monitoring system by reviewing and interpreting confidential financial statements, tax returns and supporting schedules to be used for covenant tests for borrowers and/or guarantors bank-wide based on their existing business loan agreements.
• Responsible for monitoring loan agreements for accuracy and deviations with regards to the approved CAS/ACAS and ensures that any deviations are properly approved / amended / modified.
• Responsible for determining if covenant violations exist, and if so, immediately advises and works with the Relationship Manager to resolve the violations and to ensure credit is properly risk-rated.
• Performs and monitors asset-based lines of credit to determine compliance within respective loan agreement funding definitions and ensures proper tracking of documentation.
• Communicates with the Relationship Manager and borrower's bookkeeper, CPA or outside CPA when errors are noted on the Borrowing Base Certificate and need resolution and correction.
• Notifies Relationship Manager of collateral shortfalls to avoid loss to the bank and monitors situation to ensure the shortfall is cured within its prescribed time frame.
• Maintains borrowing base report for exceptions meetings and adjust availability of RLOC.
• Ensures bank-wide proper tracking of documentation in regard to asset-based lines of credit.

• Assists Manager, as needed, with special tasks or projects such as engaging an Approved Asset-Based field auditor to perform a field audit on a pre-funding basis or a predetermined time schedule.
• Recommends changes and new procedures to improve efficiency in existing processes and procedures.
• Performs the tracking of policy exceptions in IBS that are identified on the approved CAS.
• Assists in training and development of new relationship managers and credit analysis team members on the credit review, field audit, covenant, exception process.
• Assists Covenant Compliance Department as needed to carry out objectives.

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; Demonstrates attention to detail.

Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to requests for service and assistance; Meets commitments.

Oral and Written Communication - 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; 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 - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.

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.

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 in Finance or Accounting preferred; two to three years related experience preferred. Working knowledge of federal/state laws related to banking/lending practices.

Computer Skills

To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word, and Excel. Ability to use bank-specific software such as MPC, IBS, ADP, etc. 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.

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Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights