Credit Analyst II

Origin Bank • Houston, TX

2d

About The Position

The Credit Analyst II analyzes credit data to estimate risk in extending credit or lending money to firms or individuals. The position conducts detailed financial and credit analysis for complex commercial credit relationships of $2,500,000 and greater, including loan and annual reviews, cash-flow analysis, collateral valuations, global cash-flow analysis, and financial-statement and tax-return spreading. The analyst helps maintain credit files, identifies exceptions and relationship strengths and weaknesses, researches industry information, and supports the evaluation of customer and guarantor creditworthiness and potential fraud. The role may include accompanying relationship managers on customer calls and site visits and may occasionally require travel. It has no supervisory responsibilities.

The position operates in a professional banking environment, typically in a corporate office with moderate noise, using standard office equipment and secure financial systems. It requires confidentiality, professionalism, attention to detail, and compliance with applicable BSA, AML, OFAC, and CIP policies and procedures. The bank describes its workplace as dynamic, collaborative, and inclusive, with a fast-paced and supportive atmosphere.

Origin Bank describes a people-first culture and a competitive total rewards package, including benefits and compensation tailored to skills, experience, and education. The description also highlights the Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals. Specific benefit details are not provided.

Requirements

• Bachelor's degree from a four-year college or university; Accounting or Finance degree preferred.
• 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, including a strong understanding of financial statements, ratios, and concepts.
• Strong attention to detail and ability to notice discrepancies in data.
• Self-motivation, teamwork, and a strong work ethic.
• Ability to perform the described physical functions, including sitting, talking or hearing, walking, handling objects, occasional standing and reaching, and lifting or moving up to 10 pounds frequently and up to 25 pounds occasionally, with reasonable accommodations as applicable.
• Ability to meet the vision requirements of close vision, distance vision, and adjusting focus.

Nice To Haves

• Accounting or Finance degree.

Responsibilities

• Conduct thorough financial-statement analysis and assess credit requests for complex commercial relationships of $2,500,000 and greater.
• Keep current 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 analysis, financial credit analysis, collateral valuations, and global cash-flow analysis for commercial borrowers and guarantors on qualifying relationships.
• Accompany relationship managers on customer calls and site visits for potential and existing customers as requested or needed.
• Maintain credit files by ensuring credit information is uploaded in a timely manner as needed.
• Identify policy, collateral, and missing-document exceptions, and identify strengths and weaknesses of relationships.
• Research and summarize industry information for potential and existing customers.
• Run credit bureaus 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 requirements and bank procedures, and report unusual or suspicious activity involving customers or fellow employees to the BSA Department.

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