Senior Commercial Underwriter - Bank

At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future.
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.

Analyzes credit data to estimate degree of risk involved in extending credit or lending money to commercial businesses or individuals; Summary Analyzes credit data to estimate degree of risk involved in extending credit or lending money to commercial businesses or individuals; Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial
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

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
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.
Identifies policy, collateral, and missing document exceptions.
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.
Assists Loan Committee, as needed, with reports, agenda, meeting book, minutes of meetings, and any other duties in Credit Analysis Manager's absence.

Supervises employees of the Credit Analysis Department in manager's absence. 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; addressing complaints and resolving problems.
Collects and researches data; Interpersonal Skills/Customer Service - Maintains confidentiality; Manages difficult or emotional customer situations; Responds promptly to customer needs; Presents numerical data effectively.
Contributes to building a positive team spirit; Organizational Support - Follows policies and procedures; Planning/Organizing - Prioritizes and plans work activities; Professionalism - Reacts well under pressure; Quality and Quantity - Demonstrates accuracy and thoroughness; Asks for and offers help when needed; Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor's degree (B. seven or more years credit analysis experience required; 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, 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.
This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

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.