Business & Consumer Lending Underwriter II

Origin Bank • Ruston, LA

6d • Onsite

About The Position

Performs underwriting duties for business loan relationships of $3 million or less, in compliance with organizational policies and procedures and state and federal lending laws and regulations. The role generally focuses on larger and more complex credits requiring thorough, detailed analysis. The underwriter evaluates repayment ability, financial condition, credit history, collateral, and risks, then approves applications as submitted, conditionally approves them, or denies them. Written comments supporting each loan decision become a permanent part of the loan file.

The position works closely with lenders, loan assistants, and support staff, providing guidance on lending policy, loan structure, collateral, covenants, and monitoring requirements to support profitability and manage risk. It has no supervisory responsibilities. The work is typically performed in a professional corporate banking office, using standard office equipment and digital tools; occasional travel may be required.

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.
• Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, and governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals, and to present information and respond to questions effectively.
• Ability to calculate figures and amounts involving discounts, interest, commissions, proportions, percentages, area, circumference, and volume, and apply basic algebra and geometry.
• Ability to solve practical problems in situations with limited standardization and interpret written, oral, diagrammatic, or schedule-based instructions.
• Knowledge of the Internet, Outlook, Microsoft Excel, and Microsoft Word.
• Ability to communicate and interact appropriately with employees, customers, and supervisors, and provide service that supports strong customer relations.
• Strong working knowledge of Origin Bank Lending Policy.
• Ability to perform the essential job functions, with reasonable accommodations available where applicable.

Responsibilities

• Evaluate business-purpose loan applications for relationships of $3 million or less.
• Analyze income and debt levels and calculate 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 financial tools, including for larger and more complex credits.
• Approve loan applications as submitted, conditionally approve them, or deny them.
• Evaluate individual or business credit scores and historical payment records.
• Assess interest rate, market, and industry risks associated with applicants and credit requests.
• Prepare written comments supporting each loan decision for inclusion in the permanent loan file.
• Build and maintain strong relationships with lenders, loan assistants, and loan support staff.
• Advise lenders on loan policy requirements, 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 with 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