Origin Bank
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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. Responsibilities
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. Provides additional assistance as needed by Credit Risk Manager. Supervisory Responsibilities
This job has no supervisory responsibilities. 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 – Works to complete projects on time and within budget. Interpersonal Skills/Customer Service – Maintains confidentiality; Listens to others without interrupting; Responds promptly to customer needs; Meets commitments. Oral and Written Communication – Speaks clearly; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively. Teamwork – Contributes to building a positive team spirit; Puts success of the 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; Includes appropriate people in decision-making; Makes timely decisions. Planning/Organizing – Prioritizes and plans work activities; Uses time efficiently. Professionalism – Treats others with respect and consideration; Reacts well under pressure. 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; Complies with management direction; Willing to work long hours when necessary to reach goals. Qualifications
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; write routine reports and correspondence; speak effectively before groups. Mathematical Skills: Ability to calculate financial ratios and figures; apply concepts of basic algebra and geometry. Reasoning Ability: Ability to solve practical problems and interpret written, oral, diagram, or schedule form instructions. Computer Skills: Knowledge of Internet, Outlook, Word, Excel and PowerPoint; familiarity with basic office machines. Bank Culture/Customer Service Skills: Ability to interact appropriately with employees and customers; deliver superior customer relations and support bank marketing efforts. Compliance Requirements: Responsible for compliance under BSA, AML, OFAC and CIP policies; report unusual or suspicious activity to the BSA Department. Other Skills and Abilities: Ability to read and comprehend appraisals; stay current with USPAP, FIRREA, and CTB Lending Policy. Physical Demands
The physical demands described are representative of those required to perform the essential functions. Reasonable accommodations may be made to enable individuals with disabilities. While performing duties, the employee may be required to stand, walk, sit; use hands and fingers; talk or hear. May reach with hands and arms; climb, balance, kneel, crouch, or crawl. Lift and/or move up to 25 pounds as needed. Work Environment
The work environment is typical of an office setting; reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Noise level is usually moderate. This job description reflects management's assignment of essential functions and may be adjusted. Origin Bank reserves the right to modify the position as needed. This description is not a contract. 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, protected veteran status, or any other protected category. Know Your Rights. Remote positions are intended to be filled in states within our footprint: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception requires regulatory review and approval by management. Seniority level
Mid-Senior level Employment type
Full-time Job function
Finance and Sales Industries: Banking Referrals increase your chances of interviewing at Origin Bank by 2x
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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. Responsibilities
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. Provides additional assistance as needed by Credit Risk Manager. Supervisory Responsibilities
This job has no supervisory responsibilities. 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 – Works to complete projects on time and within budget. Interpersonal Skills/Customer Service – Maintains confidentiality; Listens to others without interrupting; Responds promptly to customer needs; Meets commitments. Oral and Written Communication – Speaks clearly; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively. Teamwork – Contributes to building a positive team spirit; Puts success of the 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; Includes appropriate people in decision-making; Makes timely decisions. Planning/Organizing – Prioritizes and plans work activities; Uses time efficiently. Professionalism – Treats others with respect and consideration; Reacts well under pressure. 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; Complies with management direction; Willing to work long hours when necessary to reach goals. Qualifications
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; write routine reports and correspondence; speak effectively before groups. Mathematical Skills: Ability to calculate financial ratios and figures; apply concepts of basic algebra and geometry. Reasoning Ability: Ability to solve practical problems and interpret written, oral, diagram, or schedule form instructions. Computer Skills: Knowledge of Internet, Outlook, Word, Excel and PowerPoint; familiarity with basic office machines. Bank Culture/Customer Service Skills: Ability to interact appropriately with employees and customers; deliver superior customer relations and support bank marketing efforts. Compliance Requirements: Responsible for compliance under BSA, AML, OFAC and CIP policies; report unusual or suspicious activity to the BSA Department. Other Skills and Abilities: Ability to read and comprehend appraisals; stay current with USPAP, FIRREA, and CTB Lending Policy. Physical Demands
The physical demands described are representative of those required to perform the essential functions. Reasonable accommodations may be made to enable individuals with disabilities. While performing duties, the employee may be required to stand, walk, sit; use hands and fingers; talk or hear. May reach with hands and arms; climb, balance, kneel, crouch, or crawl. Lift and/or move up to 25 pounds as needed. Work Environment
The work environment is typical of an office setting; reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Noise level is usually moderate. This job description reflects management's assignment of essential functions and may be adjusted. Origin Bank reserves the right to modify the position as needed. This description is not a contract. 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, protected veteran status, or any other protected category. Know Your Rights. Remote positions are intended to be filled in states within our footprint: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception requires regulatory review and approval by management. Seniority level
Mid-Senior level Employment type
Full-time Job function
Finance and Sales Industries: Banking Referrals increase your chances of interviewing at Origin Bank by 2x
#J-18808-Ljbffr