Commercial Credit Underwriter

Job Description

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.

• Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater.
• Keeps 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.
• Strong problem-solving, mathematical and analytical skills.
• Excellent written and verbal communication skills.
• Proficiency with computers and computer software, like programs that aid in statistical and financial calculations.
• Strong attention to detail and ability to notice discrepancies in data.
• Impeccable understanding of financial statements, ratios, and concepts.

Qualifications

• Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred.
• Five to eight years credit analysis experience required.

Supervisory Responsibilities

• Supervises employees of the Credit Analysis Department in manager’s absence, principally in remote markets.
• Carrries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
• Trains employees; plans, assigns, and directs work.
• Applies performance in conjunction with management.
• Rewarding and disciplining employees.
• Addressing complaints and resolving problems.

Physical Demands

• Sit and talk or hear.
• Frequently walk and use hands to finger, handle, or feel.
• Occasionally lift and/or move up to 25 pounds.

Work Environment

• The noise level in the work environment is usually moderate.

Equal Opportunity Employer

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.