Credit Analyst II

Origin Bank; United States; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Dream Manager program

Wellness coaching

Access to certified financial planners

Job summary

Origin Bank is seeking a skilled Credit Analyst to perform in-depth analysis of financial statements and assess requests for complex commercial credit relationships of $2,500,000 and greater. The role requires research, accuracy, and effective communication within a team.

The ideal candidate will hold a Bachelor's degree in Accounting or Finance with at least three years of credit analysis experience and a strong understanding of lending protocols and regulatory compliance.

Qualifications

• Bachelor's degree in Accounting or Finance preferred; minimum of three years of credit analysis experience.

Responsibilities

• Analyze financial statements and assess credit requests for commercial loans of $2,500,000 and greater.
• Maintain up-to-date lending protocols.
• Manage deadlines in a high-pressure environment with supervision and knowledge of accounting principles.
• Conduct loan reviews on selected borrowers and guarantors for $2,500,000+ relationships.
• Perform cash flows, financial analysis, collateral valuations for commercial borrowers.
• Accompany relationship managers on client calls and site visits as needed.
• Ensure credit information is uploaded to the credit file in a timely manner.

Skills

Financial analysis

Credit analysis

Attention to detail

Research skills

Communication skills

Education

Bachelor's degree in Accounting or Finance

Tools

Statistical software

Microsoft Excel

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.

Job Description

Essential Duties and Responsibilities

• 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 skills.
• Strong problem‑solving, mathematical and analytical skills.
• Excellent written and verbal communication skills.
• Ability to maintain confidentiality.
• 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.
• The 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 Responsibilities

This job has no supervisory responsibilities.

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 and/or Experience

Bachelor'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 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.

Physical Demands

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. 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 Environment

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. 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.

Our Hiring Process

• Criminal Background check
• Credit check
• Fingerprint check
• Drug Screen
• OFAC check
• Reference check
• Employment verification
• Education verification
• Equal Opportunity Employer.

Know Your Rights

At Origin Bank, we don’t just offer jobs—we build careers rooted in purpose, growth, and community impact. Our award‑winning culture is driven by people who value collaboration, celebrate success, and care deeply about making a difference in the lives of our customers and communities. We’re proud to be named one of the Best Banks to Work For by American Banker for 12 consecutive years. 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.

Why?

1. Our Culture is Everything. We’re passionate about maintaining a workplace where people feel seen, supported, and inspired. We hire top talent, recognize contributions, and foster a team environment centered around delivering exceptional customer experiences.
2. We Invest in You. From career development and leadership coaching to our Dream Manager and wellness programs, we’re committed to supporting your personal and professional goals—because when you thrive, so do we.
3. Relationships Come First. Since 1912, our mission has been built on strong relationships with our customers, colleagues, communities and shareholders. Here, you’re empowered to make a real impact and help others achieve their dreams. We’re redefining what it means to work at a bank—by putting people first, challenging expectations, and making banking better.