Senior Commercial Underwriter
About the role
At Origin Bank, we're dedicated to helping you grow both professionally and personally in a supportive environment. Our Dream Manager program, one-on-one health and wellness coaching, and access to certified financial professionals are just some of the ways we empower our employees.
Responsibilities
- Analyzes credit data to estimate risk in extending credit or lending money to commercial businesses or individuals.
- Leads and mentors assigned analysts, assuming responsibilities of a manager.
- Conduct thorough analysis of financial statements and assess credit requests on complex commercial credit relationships of $2,500,000 and greater.
- Keeps up-to-date with company lending protocols.
- Manages competing deadlines for projects in a high-pressure work environment.
- Applies accounting principles and financial techniques.
- Researches and solves problems.
- Communicates clearly and persuasively.
- Maintains confidentiality.
- Uses computers and software for statistical and financial calculations.
- Analyzes financial statements, ratios, and concepts.
- Performs loan reviews and annual reviews on selected borrowers and guarantors.
- Performs cash flows, financial credit analysis, collateral valuations, and global cash flows for commercial borrowers and guarantors.
- Attends customer calls and site visits as requested.
- Maintains ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely manner.
- Identifies policy, collateral, and missing document exceptions.
- Identifies strengths and weaknesses of the relationship.
- Aids relationship managers in structuring credits, assessing covenants, and monitoring procedures.
- Trains and develops new relationship managers on the credit analysis process.
- Trains, develops, and mentors new credit analysts and the CDP analyst on credit analysis underwriting and processes.
- Manages and develops Credit Analyst II/III in the department in the absence of the manager.
- Distributes and assigns work flow based on knowledge and complexity in the manager’s absence.
- Assists the Loan Committee with reports, agendas, meeting books, and minutes in the absence of the Credit Analysis Manager.
- Serves as a supervisor for employees in the Credit Analysis Department in the absence of the manager.
Qualifications
- Bachelor's degree from a four-year college or university, preferably in Accounting or Finance.
- Seven or more years of credit analysis experience.
- Knowledge of basic computer applications such as Moody’s, the Internet, Outlook, Microsoft Word, and Excel.
- Ability to use bank-specific software like MPC, IBS, ADP, etc.
- Ability to use basic office machines.
Skills
- Self-motivated and a strong work ethic.
- Team player with interpersonal skills and customer service abilities.
- Effective problem-solving, mathematical, and analytical skills.
- Strong written and verbal communication skills.
- Attention to detail and ability to notice discrepancies in data.
- Understanding of financial statements, ratios, and concepts.
Benefits
We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. Our unique initiatives like the Dream Manager program, health and wellness coaching, and access to certified financial professionals are designed to support your personal and professional growth.
Pay
Details about pay are not specified in the job posting.
Schedule
Details about the schedule are not specified in the job posting.
Benefits
Details about benefits are not specified in the job posting.