Mortgage Warehouse Credit Analyst

Summary: Analyzes credit data to estimate degree of risk involved in extending credit or lending money to Mortgage Warehouse clients and supporting the Credit Analysis Department in any and all daily activities by performing the following duties.

Duties and Responsibilities include the following.

• Spread financial statements and perform credit analysis for potential and existing Mortgage Warehouse customers and guarantors on credit relationships of $2,500,000 and greater.
• Analyzes financial and collateral data to determine the general creditworthiness of the client / prospect, as well as the merits of the specific loan request.
• Reviews loan applications, production reports, investor reports, and related data.
• Prepares written analysis of the client including company background, management, financial analysis and collateral performance for the loan submission package.
• Identifies policy, collateral, missing document exceptions and strengths and weaknesses of the relationship.
• Attends customer calls and site visits of potential / existing customers, as necessary, with the Mortgage Warehouse Relationship Managers.
• Performs ongoing file maintenance to ensure credit information is uploaded to credit file in a timely manner.
• Performs covenant compliance by reviewing and interpreting financial statements, tax returns, and supporting schedules for covenant testing for Mortgage Warehouse borrowers and/or guarantors based on the loan agreement.
• Researches and summarizes industry information for potential and existing customers.
• Runs credit bureaus and background checks for potential and existing customers and guarantors to evaluate for potential credit worthiness and/or fraud.

• Other duties and responsibilities as assigned.

Supervisory Responsibilities

This job has no supervisory responsibilities.

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

Analytical and Problem Solving - Synthesizes complex or diverse information; Collects and researches data; Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.

Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to requests for service and assistance; Meets commitments.

Oral and Written Communication - Listens and gets clarification; 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; Supports everyone's efforts to succeed.

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

Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.

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.

Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.

Adaptability - Adapts to changes in the work environment.

Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; 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 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; complete a minimum of six hours of accounting, nine hours preferred.

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

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.

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.