Origin Bank
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Credit Risk Management Officer
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Origin Bank Summary
Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved by performing the following duties for the preparation of the allowance for credit loss calculation and preparation of forward looking stress tests. Essential Duties And Responsibilities Include The Following. Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization. Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved. Analyzes appraisals and performs credit analysis for portfolio stress testing while relying on experience and judgment. Portfolio stress testing (including all Commercial Real Estate (CRE) loans, together with construction, multifamily and commercial real estate for investment purposes; and C & I and consumer loans) is used to develop contingency planning. Reviews individually evaluated loans and qualitative factors for collectively evaluated loans in preparation of the Allowance for Credit Loss Calculation. Manages special projects as assigned by Credit Risk Manager requiring a certain degree of creativity and latitude. Additional Duties
may include the following. Provides additional assistance as needed by Credit Risk Manager. Supervisory Responsibilities
This job has no supervisory responsibilities. Competencies
- To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail. Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations. Project Management - Completes projects on time and budget. Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; 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; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests. Business Acumen - Understands business implications of decisions. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed. Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education / Experience
Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree required. Also minimum of ten years related experience required with background as either experienced loan auditor or bank examiner preferred. Knowledge of Allowance for Credit Losses (ACL) accounting and methodology required. Language Skills
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Mathematical Skills
To successfully perform this job, it requires the ability to calculate financial ratios including those ratios that measure liquidity, activity, leverage, coverage and profitability. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Computer Skills
To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word, Excel and PowerPoint. Ability to use basic office machines such as 10-key adding machine, computer keyboard, telephone, fax machine and copy machine. Bank Culture/Customer Service Skills
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. Compliance Requirements
Responsible for compliance under the requirements of the BSA, AML, OFAC and CIP related policies as well as adherence to the bank's procedures to fulfill the requirements of the regulations. Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department. Other Skills And Abilities
Ability to read and comprehend commercial and residential appraisals. Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times. Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.
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Credit Risk Management Officer
role at
Origin Bank Summary
Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved by performing the following duties for the preparation of the allowance for credit loss calculation and preparation of forward looking stress tests. Essential Duties And Responsibilities Include The Following. Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization. Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved. Analyzes appraisals and performs credit analysis for portfolio stress testing while relying on experience and judgment. Portfolio stress testing (including all Commercial Real Estate (CRE) loans, together with construction, multifamily and commercial real estate for investment purposes; and C & I and consumer loans) is used to develop contingency planning. Reviews individually evaluated loans and qualitative factors for collectively evaluated loans in preparation of the Allowance for Credit Loss Calculation. Manages special projects as assigned by Credit Risk Manager requiring a certain degree of creativity and latitude. Additional Duties
may include the following. Provides additional assistance as needed by Credit Risk Manager. Supervisory Responsibilities
This job has no supervisory responsibilities. Competencies
- To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail. Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations. Project Management - Completes projects on time and budget. Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; 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; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests. Business Acumen - Understands business implications of decisions. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed. Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education / Experience
Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree required. Also minimum of ten years related experience required with background as either experienced loan auditor or bank examiner preferred. Knowledge of Allowance for Credit Losses (ACL) accounting and methodology required. Language Skills
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Mathematical Skills
To successfully perform this job, it requires the ability to calculate financial ratios including those ratios that measure liquidity, activity, leverage, coverage and profitability. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Computer Skills
To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word, Excel and PowerPoint. Ability to use basic office machines such as 10-key adding machine, computer keyboard, telephone, fax machine and copy machine. Bank Culture/Customer Service Skills
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. Compliance Requirements
Responsible for compliance under the requirements of the BSA, AML, OFAC and CIP related policies as well as adherence to the bank's procedures to fulfill the requirements of the regulations. Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department. Other Skills And Abilities
Ability to read and comprehend commercial and residential appraisals. Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times. Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.
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