Credit Analyst III

• 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 industry information; history of the borrower; or any information or articles on the internet that would pertain to the borrower positively or negatively.
• 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.
• Identifies policy, collateral, and missing document exceptions.
• Identifies strengths and weaknesses of the relationship.
• 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.

• Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; five or more years credit analysis experience required; or equivalent combination of education and experience.

• 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.

• Analytical - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.
• Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.
• Interpersonal Skills/Customer Service - Maintains confidentiality; Manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments.
• Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively.
• Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
• Change Management and Delegation - Communicates changes effectively; Delegates work assignments.
• Leadership and Managing People - Exhibits confidence in self and others; Inspires and motivates others to perform well; Gives appropriate recognition to others; Makes self available to staff; Develops subordinates' skills and encourages growth; Continually works to improve supervisory skills.
• Organizational Support - Follows policies and procedures; Supports organization's goals and values.
• Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles.
• Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Ability to effectively manage competing deadlines for projects.
• Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Ability to maintain confidentiality.
• Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.
• Adaptability, Initiative and Innovation - Adapts to changes in the work environment; Manages competing demands; Able to deal with frequent change, delays, or unexpected events; Asks for and offers help when needed; Generates suggestions for improving work.
• Attendance/Punctuality and Dependability - Is consistently at work and on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.

• 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.

• To perform this job successfully, an individual should have knowledge of basic knowledge of computer applications such as Moody’s, the Internet, Outlook, Microsoft Word and Excel.
• Ability to use bank-specific software such as MPC, IBS, ADP, and other programs that aid in statistical and financial calculations.
• Proficiency with financial reports and statements.
• Ability to use basic office machines.

• Promotes the Bank’s culture, including the support of our Brand promise and Core Values.
• 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.

Salary : $2,500,000