CREDIT BUREAU ANALYST

At Origin Bank, a job isnt just a paycheck - its a meaningful journey. Were committed to helping you grow both professionally and personally in an environment where people come first. Here, youll 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 youre looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-wed love to meet you. Apply today and start the most rewarding chapter of your career with us.
Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties.
Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater.
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.
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
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.
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.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelors degree (B. from four-year college or university, Accounting or Finance degree preferred; minimum of three or more years of credit analysis experience; Responsible for compliance under the requirements of the BSA, AML, OFAC and CIP related policies as well as adherence to the banks procedures to fulfill the requirements of the regulations. Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position operates in a professional banking environment and routinely uses standard office equipment and digital tools such as secure financial systems, computers, phones, photocopiers, and scanners. Work is typically performed in a corporate office setting with a moderate noise level and a dynamic, collaborative, and inclusive workplace where innovation thrives. This role may occasionally require travel.
Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion.
Credit check
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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.