Credit Analyst II (Commercial Credit)

Location: On-site in Houston, Texas 77024, United States

Company

Origin Bank is a banking organization focused on commercial lending and financial services.

What you will do

• Analyze financial statements and assess complex commercial credit requests and relationships of $2,500,000 and greater.
• Perform loan and annual reviews for selected commercial borrowers and guarantors.
• Prepare cash flows, financial credit analyses, collateral valuations, and global cash flows.
• Accompany relationship managers on customer calls and site visits when requested.
• Maintain credit files, identify policy, collateral, and missing-document exceptions, and assess relationship strengths and weaknesses.
• Research industry information, run credit bureaus and background checks, and spread financial statements and tax returns.

Requirements

• Bachelor's degree from a four-year college or university; an Accounting or Finance degree is preferred.
• At least three years of credit analysis experience, or an equivalent combination of education and experience.
• Working knowledge of accounting principles, financial techniques, financial reports, statements, ratios, and concepts.
• Strong research, problem-solving, mathematical, analytical, written, and verbal communication skills.
• Ability to manage competing deadlines in a high-pressure environment with varying levels of supervision.
• Proficiency with computers, financial calculation software, financial reports, and statements.
• Strong attention to detail, ability to identify data discrepancies, and ability to maintain confidentiality.
• Ability to comply with BSA, AML, OFAC, and CIP policies and report unusual or suspicious activity.
• Self-motivation, teamwork, and a strong work ethic.

Culture & Benefits

• On-site work in a professional corporate banking environment with standard office equipment and secure financial systems.
• Collaborative, inclusive, fast-paced workplace with a focus on professionalism, confidentiality, and attention to detail.
• Competitive total rewards package with compensation tailored to skills, experience, and education.
• Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals.
• Occasional travel may be required.
• No supervisory responsibilities.

Hiring process

• After accepting a conditional offer, complete criminal background, credit, fingerprint, drug, OFAC, reference, employment, and education checks.