Credit Officer

Requirements

• Education and/or Experience
• 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.
• Physical Demands
• Work Environment
• The noise level in the work environment is usually moderate.
• Word

Benefits

Additional Information

Your Career. Your Story. Let's Write the Next Chapter Together. At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us. Job Description 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 by performing the following duties. Word Duties and Responsibilities include the following. 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. Supervisory Responsibilities This job may have supervisory responsibilities.

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