Overview

Credit Analyst I Job at Origin Bank – 3.4 in West Monroe, LA

Summary Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals and supporting the Credit Analysis Department in any and all daily activities by performing the following duties.

Duties and Responsibilities include the following.

Develops and administers pre-credit analysis function on credit relationships of $1,500,000 and greater.

Performs loan reviews/annual reviews on selected borrowers and guarantors for credit relationships of $1,500,000 and greater.

Assists relationship managers in structuring credits, assessing covenants, and monitoring procedures.

Accompanies relationship managers on customer calls and site visits of potential and existing customers as necessary.

P er f o r m s o n g o i n g fi l e m ai n t e n a n ce t o ens u re c r ed i t i n f o r m ati o n i s up l o a d ed to t h e credit fi l e in a ti m ely bas i s ( D o cuTr e e v ) as needed.

Research and summarize industry information for potential and existing customers.

Runs credit bureaus for potential and existing customers and guarantors.

Spreading financial statements and tax returns in Moody’s for potential and existing customers and guarantors.

Ordering and maintaining department office supplies.

Processing and uploading department accounts payable for payment.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Competencies – To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Problem Solving – Synthesizes complex or diverse information; Collects and researches data; Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.

Interpersonal Skills/Customer Service – Maintains confidentiality; Responds promptly to requests for service and assistance; Meets commitments.

Oral and Written Communication – Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively.

Teamwork – Balances team and individual responsibilities; Contributes to building a positive team spirit; Supports everyone’s efforts to succeed.

Organizational Support – Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization’s goals and values.

Judgment – Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.

Planning/Organizing – Prioritizes and plans work activities; Uses time efficiently.

Professionalism – Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Quality and Quantity – Demonstrates accuracy and thoroughness; Completes work in timely manner.

Adaptability – Adapts to changes in the work environment.

Attendance/Punctuality and Dependability – Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.

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; up to three years credit related experience preferred; or equivalent combination of education and experience.

Computer Skills

To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word and Excel. Ability to use bank-specific software such as MPC, IBS, ADP, etc. Ability to use basic office machines.

Bank Culture/Customer Service Skills

Promotes the Bank’s culture, including the support of our Brand promise and Core Values.

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Physical Demands 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 The noise level in the work environment is usually moderate.

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.

Origin Bank is an equal opportunity employer and we do not discriminate in hiring or employment on the basis of race, color, sex, age, marital or veteran status, non-job related disability, religion, national origin, genetic information or any other basis protected by law.

About the Company

Company: Origin Bank – 3.4

Company Location:  West Monroe, LA

Estimated Salary:

About Origin Bank - 3.4