Credit Analyst II

Origin Bank•Houston, TX

3d•Onsite

About The Position

The Credit Analyst II analyzes credit data to estimate the risk involved in extending credit or lending money to firms or individuals. The role conducts thorough financial statement analysis and evaluates complex commercial credit relationships of $2,500,000 and greater. It performs loan and annual reviews, cash flow and credit analyses, collateral valuations, and reviews of global cash flows for commercial borrowers and guarantors. The analyst also supports relationship managers through customer calls and site visits, maintains credit files, identifies exceptions and relationship strengths and weaknesses, researches industry information, runs credit bureau and background checks, and spreads financial statements and tax returns. The position requires a working knowledge of accounting principles and financial techniques, proficiency with financial reports and statements, strong analytical and communication skills, and the ability to manage competing deadlines in a high-pressure environment. The analyst must maintain confidentiality and comply with applicable BSA, AML, OFAC, and CIP requirements, including reporting unusual or suspicious activity to the BSA Department. This position has no supervisory responsibilities. The role operates in a professional banking environment, typically in a corporate office, using standard office equipment and secure financial systems. It involves a moderate noise level and a dynamic, collaborative workplace; occasional travel may be required. The job’s physical demands include regular sitting and talking or hearing, frequent walking and handling objects, occasional standing and reaching or stooping, and lifting up to 25 pounds occasionally.

Requirements

Bachelor's degree from a four-year college or university, or an equivalent combination of education and experience.
At least three years of credit analysis experience, or an equivalent combination of education and experience.
Working knowledge of accounting principles and financial techniques.
Ability to manage competing project deadlines in a high-pressure work environment with varying degrees of supervision.
Research skills.
Strong problem-solving, mathematical, and analytical skills.
Excellent written and verbal communication skills.
Ability to maintain confidentiality.
Proficiency with computers and software used for statistical and financial calculations.
Proficiency with financial reports and statements.
Strong attention to detail and ability to notice data discrepancies.
Impeccable understanding of financial statements, ratios, and concepts.
Self-motivation, teamwork, and a strong work ethic.
Ability to perform the essential duties satisfactorily, with reasonable accommodations available for individuals with disabilities.

Nice To Haves

Accounting or Finance degree preferred.

Responsibilities

Analyze financial statements and assess credit requests for complex commercial credit relationships of $2,500,000 and greater.
Keep up to date with the company’s lending protocols.
Perform loan reviews and annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.
Perform cash flow analyses, financial credit analyses, collateral valuations, and global cash flow analyses for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater.
Accompany relationship managers on customer calls and site visits for potential and existing customers as requested or needed.
Maintain credit files by uploading credit information in a timely manner as needed.
Identify policy, collateral, and missing-document exceptions.
Identify strengths and weaknesses of credit relationships.
Research and summarize industry information for potential and existing customers.
Run credit bureau checks and background checks for potential and existing commercial customers and guarantors to evaluate creditworthiness and potential fraud.
Spread financial statements and tax returns for potential and existing commercial customers and guarantors.
Comply with BSA, AML, OFAC, and CIP policies and procedures, and report unusual or suspicious activity involving customers or fellow employees to the BSA Department.