Credit Officer

management responsibilities. This role will also focus on shared risk management responsibilities between sales force, and risk management by assuring growth, safety, and soundness of the commercial loan portfolio by performing the following duties.

Duties and Responsibilities include the following.

• Develops and administers pre-credit analysis function on credit relationships of $2,500,000 and greater.
• Reviews and approves annual reviews/loan reviews within approval authority on selected borrowers and guarantors.
• Evaluates and approves new credit as well as renewals, extensions, and amendments to existing loans within prescribed authorities.
• Assists in training and development of Credit Analysts and new Commercial Relationship Bankers on the credit analysis process.
• Works with Commercial Relationship Bankers in structuring credits, assessing covenants and monitoring procedures.
• Accompanies Commercial Relationship Bankers on customer calls and site visits of current and potential customers as necessary.
• Maintains and assists with the administration of credit policies.
• Assists in the analysis and structuring decisions as a response for the sales team.
• Works with the Senior Credit Officers as needed in the review and oversight of the various portfolio management reports each month (i.e. past dues, upcoming maturities, etc.) in order to minimize credit exceptions, maintain risk rating integrity of the portfolios, and ensure effective adherence of portfolio management practices.
• Performs Credit / Risk Management leadership responsibilities as needed.

Supervisory Responsibilities

This job may have supervisory responsibilities.

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

Analytical - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail, uses intuition and experience to complement data.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully, develops alternative solutions, and Uses strong reasoning skills to effect outcomes.

Interpersonal Skills/Customer Service - Maintains confidentiality; Manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Asks clear and concise questions, focusing on relevant issues; 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; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.

Change Management and Delegation - Seeks opportunities to influence transformative change in processes and policies; Communicates changes effectively; Delegates work assignments.

Leadership and Managing People - Exhibits confidence in self and others; Inspires and motivates others to perform well; Gives appropriate recognition to others; Makes self-available to staff; Encourages growth; Continually works to improve skills.

Organizational Support - Follows policies and procedures; Supports organization's goals and values.

Judgment and Motivation - Displays willingness to make decisions autonomously; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles.

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, is tactful and professional in interaction with internal and external customers.

Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner; able to merge quality and quantity in an efficient and effective manner

Adaptability, Initiative and Innovation - Adapts to changes in the work environment; Manages competing demands; Able to deal with frequent change, delays, or unexpected events; Asks for and offers help when needed; Generates suggestions for improving work.

Attendance/Punctuality and Dependability - Is consistently at work and on time; 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 Eight years of credit analysis experience required, preferably with formal credit training at a regional or large financial institution; or equivalent combination of education and experience.

Computer Skills

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

Other Skills and Abilities

Proven ability to take ownership and responsibility for underwriting and managing credit risk; knowledge of credit risk analysis. Knowledge of loan structuring techniques to mitigate risk. In-depth knowledge of various aspects of commercial lending including specialized lending (i.e. asset based, commercial real estate, etc.)

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.

Equal 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

Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.