Credit Analyst II

Origin Bank; Houston (TX); On-site; USD 75,000 - 105,000; Full time

Job summary

Origin Bank in Houston, TX is seeking a Senior Credit Analyst to evaluate loan requests and monitor credit risk across commercial relationships of $2,500,000 and greater. You will analyze financial statements, perform cash flow projections, and ensure compliance with lending protocols.

The ideal candidate has a Bachelor’s degree in Accounting or Finance and at least three years of credit analysis experience, with strong analytical, communication, and confidentiality skills in a fast-paced

Qualifications

• Bachelor's degree in Accounting or Finance.
• Minimum of three years in credit analysis.
• Ability to analyze financial statements and assess risk.

Responsibilities

• Perform loan reviews and assess creditworthiness for large commercial borrowers.
• Analyze financial statements and cash flows for complex credits.
• Ensure compliance with BSA/AML and lending protocols.

Skills

Analytical thinking

Financial statement analysis

Communication skills

Attention to detail

Education

Bachelor's degree in Accounting or Finance

Tools

Excel

Credit analysis software

Job description

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 DescriptionAnalyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties.Essential Duties and Responsibilities include the following.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 skillsStrong problem-solving, mathematical and analytical skillsExcellent written and verbal communication skillsAbility to maintain confidentialityProficiency with computers and computer software, like programs that aid in statistical and financial calculationsProficiency with financial reports and statementsStrong attention to detail and ability to notice discrepancies in dataImpeccable understanding of financial statements, ratios, and conceptsThe ideal candidate should be self-motivated, be a team player and have a strong work ethic.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.Supervisory ResponsibilitiesThis job has no supervisory responsibilities.QualificationsTo 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 and/or ExperienceBachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; minimum of three or more years of credit analysis experience; or equivalent combination of education and experience.Compliance RequirementsResponsible 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.Physical DemandsThe 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.While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to walk and use hands to finger, handle, or feel. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.Work EnvironmentThe 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.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. The role requires maintaining a high level of professionalism, confidentiality, and attention to detail in all interactions.Work is typically performed in a corporate office setting with a moderate noise level and a dynamic, collaborative, and inclusive workplace where innovation thrives. Expect a fast-paced, supportive atmosphere where your ideas are heard, and your contributions make an impact. This role may occasionally require travel.This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. 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.Our Hiring ProcessThe following pre-employment screenings will be completed after a conditional offer of employment has been accepted:Criminal Background checkCredit checkFingerprint checkDrug ScreenOFAC checkReference checkEmployment verificationEducation verificationEqual 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. Know Your Rights