About Company
Origin Bank is a community-focused financial institution deeply rooted in the heart of the South. With a legacy spanning over a century, we’re dedicated to empowering individuals, businesses, and communities to thrive. We believe in building lasting relationships through personalized service, innovative solutions, and a strong commitment to local growth. Our team is our greatest asset, and we foster an environment where professionalism, integrity, and community spirit are paramount. Join us in making a meaningful impact.
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Job Description
We are seeking a highly analytical and detail-oriented Underwriter to join our dynamic team in Monroe, Louisiana. In this critical role, you will be responsible for evaluating, analyzing, and assessing the credit risk of various loan applications, including commercial, consumer, and mortgage loans. The ideal candidate will possess a strong understanding of financial statements, credit analysis principles, and regulatory compliance within the banking sector. You will play a pivotal role in ensuring the quality and profitability of our loan portfolio by making informed lending decisions and upholding Origin Bank’s high standards of risk management. This position requires excellent judgment, clear communication skills, and the ability to work collaboratively with loan officers and other departments to facilitate a smooth and efficient lending process. If you are passionate about financial analysis and dedicated to supporting a community bank’s mission, we encourage you to apply.
Key Responsibilities
- Conduct thorough financial analysis of loan applications, including reviewing credit reports, tax returns, financial statements, and other relevant documentation.
- Evaluate creditworthiness, collateral, and overall risk factors associated with commercial, consumer, and mortgage loan requests.
- Ensure all underwriting activities comply with Origin Bank's lending policies, procedures, and relevant state and federal regulations.
- Prepare comprehensive credit memoranda and presentations, clearly articulating risk assessments and recommended lending decisions.
- Collaborate effectively with loan officers to gather necessary information, clarify application details, and communicate underwriting decisions.
- Identify potential risks and mitigating factors, proposing alternative solutions or structuring options when appropriate.
- Participate in loan committee meetings, presenting and defending underwriting recommendations.
- Maintain up-to-date knowledge of industry trends, economic conditions, and regulatory changes impacting credit risk.
- Assist in the development and refinement of underwriting guidelines and procedures.
Required Skills
- Proficiency in financial statement analysis and credit risk assessment.
- Strong analytical and problem-solving skills with meticulous attention to detail.
- Excellent written and verbal communication abilities.
- Demonstrated ability to make sound, data-driven decisions under pressure.
- Proficiency in Microsoft Office Suite, particularly Excel.
- Knowledge of banking regulations and compliance standards.
- Ability to work independently and as part of a collaborative team.
Preferred Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
- Certification in credit analysis or risk management.
- Experience with commercial real estate or C&I lending.
- Familiarity with loan origination systems and CRM software.
- Master's degree or advanced professional certification (e.g., CFA, FRM).
Perks & Benefits
- Comprehensive Medical, Dental, and Vision insurance plans.
- 401(k) retirement plan with competitive company match.
- Generous paid time off and holidays.
- Opportunities for professional development and continuing education.
- Employee wellness programs and resources.
- Life and disability insurance coverage.
- Employee assistance program.
- A supportive and collaborative work environment committed to community growth.
How to Apply
Interested candidates are encouraged to apply by clicking on the application link below. Please submit a detailed resume and cover letter outlining your qualifications and experience relevant to this role. We look forward to reviewing your application and potentially welcoming you to the Origin Bank team.
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