Credit Risk Management Officer III

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.

About the role

Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved by performing duties related to the preparation of the allowance for credit loss calculation and forward-looking stress tests.

Responsibilities

• Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of the organization.
• Gathers risk-related data from internal or external resources to analyze credit data and financial statements to determine the degree of risk involved.
• Analyzes appraisals and performs credit analysis for portfolio stress testing while relying on experience and judgment. Portfolio stress testing (including all Commercial Real Estate (CRE) loans, together with construction, multifamily and commercial real estate for investment purposes; and C & I and consumer loans) is used to develop contingency planning.
• Reviews individually evaluated loans and qualitative factors for collectively evaluated loans in preparation of the Allowance for Credit Loss Calculation.
• Manages special projects as assigned by Credit Risk Manager requiring a certain degree of creativity and latitude.

Requirements

• Bachelor's degree (B.A.) from a four-year college or university, with a Finance or Accounting degree required.
• Minimum of ten years of related experience, with a background as either an experienced loan auditor or bank examiner preferred.
• Knowledge of Allowance for Credit Losses (ACL) accounting and methodology required.
• 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 regulatory requirements.
• Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department.

Physical Demands

• Frequently required to stand, walk, sit, use hands to finger, handle, or feel, and talk or hear.
• Occasionally required to reach with hands and arms, climb or balance, and stoop, kneel, crouch, or crawl.
• Must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required include close vision and the ability to adjust focus.

Work Environment

• Operates in a professional banking environment and routinely uses standard office equipment and digital tools such as secure financial systems, computers, phones, photocopiers, and scanners.
• Requires maintaining a high level of professionalism, confidentiality, and attention to detail in all interactions.
• Work is typically performed in a corporate office setting with a moderate noise level and a dynamic, collaborative, and inclusive workplace.
• This role may occasionally require travel.