Commercial Underwriter

Origin Bank•Houston, TX

22h

About The Position

Your Career. Your Story. Let's Write the Next Chapter Together. 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. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us. 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. Word Duties and Responsibilities include the following. Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater. Keep 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 and a working knowledge of accounting principles and financial techniques Research skills Strong problem-solving, mathematical and analytical skills Excellent written and verbal communication skills Ability to maintain confidentiality Proficiency with computers and computer software, like programs that aid in statistical and financial calculations Proficiency with financial reports and statements Strong attention to detail and ability to notice discrepancies in data Impeccable understanding of financial statements, ratios, and concepts The ideal candidate should be self-motivated, be a team player and have a strong work ethic. Performs loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater. Performs cash flows, financial credit analysis, collateral valuations, global cash flows, etc. for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater. Accompanies relationship managers on customer calls and site visits of potential and existing customers as requested / needed. Performs ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed. Identifies policy, collateral, and missing document exceptions. Identifies strengths and weaknesses of the relationship. Researches and summarizes industry information for potential and existing customers. Runs credit bureaus and background checks for potential and existing commercial customers and guarantors to evaluate for potential credit worthiness and/or fraud. Spreads financial statements and tax returns for potential and existing commercial customers and guarantors. Assists relationship managers in structuring credits, assessing covenants and monitoring procedures. Responsible for training and development of new relationship managers on the credit analysis process. Responsible for training, development, and mentoring of new credit analysts and the CDP analyst on the credit analysis underwriting and processes. Other duties and responsibilities as assigned. Supervisory Responsibilities Supervises employees of the Credit Analysis Department in manager’s absence, principally in remote markets. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.

Requirements

Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision and a working knowledge of accounting principles and financial techniques
Research skills
Strong problem-solving, mathematical and analytical skills
Excellent written and verbal communication skills
Ability to maintain confidentiality
Proficiency with computers and computer software, like programs that aid in statistical and financial calculations
Proficiency with financial reports and statements
Strong attention to detail and ability to notice discrepancies in data
Impeccable understanding of financial statements, ratios, and concepts
The ideal candidate should be self-motivated, be a team player and have a strong work ethic.
Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; five to eight years credit analysis experience required; or equivalent combination of education and experience.

Responsibilities

Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater.
Keep up to date with the company’s lending protocols.
Performs loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.
Performs cash flows, financial credit analysis, collateral valuations, global cash flows, etc. for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater.
Accompanies relationship managers on customer calls and site visits of potential and existing customers as requested / needed.
Performs ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed.
Identifies policy, collateral, and missing document exceptions.
Identifies strengths and weaknesses of the relationship.
Researches and summarizes industry information for potential and existing customers.
Runs credit bureaus and background checks for potential and existing commercial customers and guarantors to evaluate for potential credit worthiness and/or fraud.
Spreads financial statements and tax returns for potential and existing commercial customers and guarantors.
Assists relationship managers in structuring credits, assessing covenants and monitoring procedures.
Responsible for training and development of new relationship managers on the credit analysis process.
Responsible for training, development, and mentoring of new credit analysts and the CDP analyst on the credit analysis underwriting and processes.
Supervises employees of the Credit Analysis Department in manager’s absence, principally in remote markets.
Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
Responsibilities include training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.