Business Lending Services Underwriter II

Summary Performs underwriting duties for commercial 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.

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

Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.

Project Management - Coordinates projects; Communicates changes and progress; Completes projects on time and budget.

Interpersonal Skills / Customer Service - Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service ; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.

Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.

Business Acumen - Understands business implications of decisions.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values.

Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions.

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

Professionalism - Approaches others in a tactful manner; 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. Meets quarterly production goals.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.

Attendance / Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction.

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.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Excel and Word.

Customer Service Skills

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

Must have strong working knowledge of the Origin Bank Lending Policy in order to provide proper decisioning of loan applications.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand; walk; sit and use hands to finger, handle, or feel. The employee is occasionally required to reach with hands and arms; climb or balance 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 and ability to adjust focus.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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.