Credit Officer

Origin Bank•Dallas, TX

1d•Onsite

About The Position

This role will also focus on shared risk management responsibilities between sales force, and risk management by assuring growth, safety, and soundness of the commercial loan portfolio. The Credit Officer develops and administers pre-credit analysis functions for credit relationships of $2,500,000 and greater. They review and approve annual reviews/loan reviews within approval authority on selected borrowers and guarantors. The role also evaluates and approves new credit, as well as renewals, extensions, and amendments to existing loans within prescribed authorities. Additionally, the Credit Officer assists in training and development of Credit Analysts and new Commercial Relationship Bankers on the credit analysis process, and works with Commercial Relationship Bankers in structuring credits, assessing covenants, and monitoring procedures. They accompany Commercial Relationship Bankers on customer calls and site visits of current and potential customers as necessary. The role maintains and assists with the administration of credit policies, and assists in the analysis and structuring decisions as a response for the sales team. The Credit Officer works with Senior Credit Officers as needed in the review and oversight of various portfolio management reports each month (e.g., past dues, upcoming maturities) to minimize credit exceptions, maintain risk rating integrity of portfolios, and ensure effective adherence of portfolio management practices. The position also performs Credit/Risk Management leadership responsibilities as needed.

Requirements

Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred
Eight years of credit analysis experience required, preferably with formal credit training at a regional or large financial institution; or equivalent combination of education and experience.

Responsibilities

Develops and administers pre-credit analysis function on credit relationships of $2,500,000 and greater.
Reviews and approves annual reviews/loan reviews within approval authority on selected borrowers and guarantors.
Evaluates and approves new credit as well as renewals, extensions, and amendments to existing loans within prescribed authorities.
Assists in training and development of Credit Analysts and new Commercial Relationship Bankers on the credit analysis process.
Works with Commercial Relationship Bankers in structuring credits, assessing covenants and monitoring procedures.
Accompanies Commercial Relationship Bankers on customer calls and site visits of current and potential customers as necessary.
Maintains and assists with the administration of credit policies.
Assists in the analysis and structuring decisions as a response for the sales team.
Works with the Senior Credit Officers as needed in the review and oversight of the various portfolio management reports each month (i.e. past dues, upcoming maturities, etc.) in order to minimize credit exceptions, maintain risk rating integrity of the portfolios, and ensure effective adherence of portfolio management practices.
Performs Credit / Risk Management leadership responsibilities as needed.