Senior Commercial Underwriter

Origin Bank•Dallas, TX

6d•Onsite

About The Position

Origin Bank is seeking a Senior Commercial Underwriter to analyze credit data and estimate the risk involved in extending credit or lending money to commercial businesses or individuals. This role involves leading and mentoring assigned analysts and assuming managerial responsibilities. The bank emphasizes a people-first culture, offering a competitive total rewards package, unique initiatives like a Dream Manager program, guidance from a health and wellness coach, and access to financial professionals. This is an opportunity to join a team that empowers employees to make meaningful connections, impact others, and pursue personal and professional dreams.

Requirements

Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision.
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.
Self-motivated, team player with a strong work ethic.
Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred.
Seven or more years credit analysis experience required; or equivalent combination of experience in Credit / Banking.
Knowledge of basic computer applications such as Moody’s, the Internet, Outlook, Microsoft Word and Excel.
Ability to use bank-specific software such as MPC, IBS, ADP, etc.
Ability to use basic office machines.
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor.
Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Nice To Haves

Accounting or Finance degree preferred.

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.
Perform loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.
Perform 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.
Accompany relationship managers on customer calls and site visits of potential and existing customers as requested / needed.
Perform ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed.
Identify policy, collateral, and missing document exceptions.
Identify strengths and weaknesses of the relationship.
Assist 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.
Manage and develop Credit Analyst II / III in the department along with the CDP Analyst (Credit Analyst I).
Distribute and assign work flow based on knowledge and complexity in credit manager’s absence.
Assist Loan Committee, as needed, with reports, agenda, meeting book, minutes of meetings, and any other duties in Credit Analysis Manager's absence.
Supervise employees of the Credit Analysis Department in manager’s absence.
May supervise and manage the Credit Analyst II / III.
Carry 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.