Your Career. Your Story. Let's Write the Next Chapter Together.

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. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education.

What truly sets us apart is our people-first culture. 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.

Job Description

Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties.

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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.

Supervisory Responsibilities                                                  

This job has no supervisory responsibilities.

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. 

Compliance Requirements

Responsible for compliance under the requirements 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. 

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Compensation Details

We believe in competitive compensation. The minimum average base pay for this position based on market is:

$70,686.00

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The minimum base pay could be increased based on factors such as skills, education, or experience. The base pay listed does not include incentives, bonuses, or benefits. We also offer a generous benefits package (more information on benefits can be found here).

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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