Lending Underwriter II — Growth & Impact

Origin Bank; United States; On-site; USD 70,000 - 110,000; Full time

Job summary

Origin Bank is seeking an experienced loan underwriter to manage underwriting duties for loan relationships up to $3 million, ensuring compliance with lending laws and internal policies. The role emphasizes detailed financial analysis and risk assessment.

With a focus on larger, more complex credits, you will evaluate creditworthiness, prepare supporting documentation, and collaborate with lenders to maximize profitability while maintaining policy adherence.

Qualifications

• Bachelor's degree from a four-year college or university and at least five years of business underwriting experience.
• Strong written and verbal communication skills.
• Knowledge of lending policies, procedures, and regulatory requirements.

Responsibilities

• Evaluates loan applications for business purposes up to $3 million.
• Analyzes income and debts to determine Debt Service Coverage ratios.
• Prepares cash flows, financial analysis, and collateral valuations.
• Reviews financial statements and tax returns for borrowers and guarantors.
• Decides loan applications for approval, conditional approval, or denial.
• Evaluates credit scores and risk factors associated with pricing and market conditions.
• Provides guidance on loan policy, structure, covenants, and monitoring requirements.

Skills

Underwriting

Financial analysis

Credit analysis

Communication

Education

Bachelor's degree (B. A.) from four-year college or university

Tools

MS Excel

MS Word

Job description

Origin Bank is seeking an experienced loan underwriter to manage underwriting duties for loan relationships up to $3 million, ensuring compliance with lending laws and internal policies. The role emphasizes detailed financial analysis and risk assessment.

With a focus on larger, more complex credits, you will evaluate creditworthiness, prepare supporting documentation, and collaborate with lenders to maximize profitability while maintaining policy adherence.