Business & Consumer Lending Underwriter II at Origin Bank in Ruston, LA

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 Description Performs underwriting duties for loan relationships of $3 million or less in compliance with organizational policies/procedures and state and federal lending laws/regulations by performing the following duties. Essential Duties and Responsibilities include the following. Evaluates loan applications up to and including loan relationships of $3 million or less for business purposes. Analyzes income and debt levels to determine Debt Service Coverage (DSC) ratios which are critical when determining repayment ability. Spreads and analyzes financial statements and tax returns for potential and existing customers and guarantors. Prepares company cash flows, global cash flows, financial analysis, and collateral valuations for loan requests. Reviews and Interprets spreads and financial info using trend analysis, ratio analysis, and other financial analysis tools for use in evaluation larger and more complex credits. Decisions loan applications for either approval as submitted, conditional approval or denial. Evaluates an individual's credit score (or business credit score) and historical payment records. Assesses the risks associated with the pricing of the credit (interest rate risk), the current economic climate (market risk) and the industry or the occupation (industry risk) of the applicant. Provides written comments to support loan decisions with each loan application that will become a permanent part of the file. Builds and maintains strong relationships with lenders, loan assistants, and loan support staff. Provide guidance to lenders on loan policy requirements, structure, collateral, loan covenants, and monitoring requirements for new or existing business loan requests in order to maximize profitability and minimize risk and policy exceptions. Generally focuses on the underwriting of larger and more complex credits that require a more thorough and detailed analysis Attends risk department/division meetings as required to maintain a current working knowledge of substandard and other higher risk relationships. 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; minimum five years’ experience as a business underwriter; or equivalent combination of education and experience. Language Skills Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public