Business & Consumer Lending Underwriter II

Origin Bank • Ruston, LA

4d

About The Position

Origin Bank is seeking a Business & Consumer Lending Underwriter II to underwrite business loan relationships of $3 million or less in accordance with bank policies and procedures and applicable state and federal lending laws and regulations. The role generally focuses on larger and more complex credits requiring thorough analysis. The underwriter assesses repayment capacity, financial performance, credit history, collateral, and risk, then approves applications as submitted, conditionally approves them, or denies them. Written analysis supporting each decision becomes part of the permanent loan file. The role also works closely with lenders and loan support staff, advising them on policy, loan structure, collateral, covenants, and monitoring requirements to help manage risk and profitability.

The position has no supervisory responsibilities. It is performed in a professional banking environment, typically in a corporate office, using standard office equipment and secure financial systems. The workplace is described as collaborative and inclusive, with a moderate noise level and occasional travel. The employee is expected to maintain professionalism, confidentiality, and attention to detail.

Requirements

• Bachelor's degree from a four-year college or university, at least five years of experience as a business underwriter, or an equivalent combination of education and experience.
• Strong working knowledge of Origin Bank Lending Policy.
• Ability to read and interpret business publications, professional journals, technical procedures, and governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals and present information effectively.
• Ability to perform calculations involving interest, percentages, proportions, and other figures, and apply basic algebra and geometry.
• Ability to solve practical problems, interpret varied instructions, and work with limited standardization.
• Knowledge of the Internet, Outlook, Microsoft Excel, and Microsoft Word.
• Ability to communicate and interact appropriately with employees, customers, and supervisors, and provide strong service to internal and external customers.
• Ability to meet the role's physical demands, including frequent lifting or moving of up to 10 pounds and occasional lifting or moving of up to 25 pounds.

Responsibilities

• Evaluate business loan applications for relationships up to and including $3 million.
• Analyze income and debt levels and determine debt service coverage ratios to assess repayment ability.
• Spread and analyze financial statements and tax returns for prospective and existing customers and guarantors.
• Prepare company and global cash flows, financial analyses, and collateral valuations for loan requests.
• Review and interpret financial information using trend analysis, ratio analysis, and other tools, particularly for larger and more complex credits.
• Make loan decisions, including approval as submitted, conditional approval, or denial.
• Evaluate individual or business credit scores and historical payment records.
• Assess interest rate, market, and industry risks associated with applicants and credit requests.
• Document the rationale for loan decisions in written comments that become part of each loan's permanent file.
• Build and maintain strong working relationships with lenders, loan assistants, and loan support staff.
• Advise lenders on loan policy requirements, loan structure, collateral, covenants, and monitoring requirements for new and existing business loan requests.
• Attend risk department or division meetings as required to maintain current knowledge of substandard and other higher-risk relationships.

Benefits

• Competitive total rewards package, including benefits and compensation tailored to skills, experience, and education.
• Dream Manager program.
• One-on-one guidance from a nationally certified health and wellness coach.
• Free access to certified financial professionals.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level