• Performs annual reviews on credit relationships of $2,500,000 and greater.
• Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization (including but not limited to more complex credits).
• Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved.
• Performs and administers the loan agreement covenant compliance monitoring system by reviewing and interpreting confidential financial statements, tax returns and supporting schedules to be used for covenant tests for borrowers and/or guarantors bank-wide based on their existing business loan agreements.
• Responsible for determining if covenant violations exist, and if so, immediately advises and works with the Relationship Manager to resolve the violations and to ensure credit is properly risk-rated.
• Assists relationship managers in assessing covenants and monitoring procedures.
• Consults with Relationship Managers and Credit Officers to make recommendations on risk ratings.
• Ensures Compliance with related SOX Controls.
• Provides support for borrowing base certificate monitoring process as needed.
• Recommends changes and new procedures to improve efficiency in existing processes and procedures.
• Assists Credit Risk Management Department as needed to carry out objectives.

• 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.
• Desired working location is within Origin's markets: Texas, North Louisiana or Mississippi.

• Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree preferred. Also seven to ten years related experience required.

Putting relationships first for more than a century, Origin provides a broad range of financial services to small and medium-sized businesses, municipalities, high net-worth individuals and retail clients from over 40 banking centers located throughout Texas, Louisiana and Mississippi. In today’s banking landscape, technology is the rule – human interaction and genuine relationships are the exception. Origin Bank delivers on both.