What are the responsibilities and job description for the Credit Risk Management Officer (FT) position at Origin Bank?
Summary
Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved by performing the following duties for the preparation of the allowance for credit loss calculation and preparation of forward looking stress tests.
Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved by performing the following duties for the preparation of the allowance for credit loss calculation and preparation of forward looking stress tests.
Essential Duties and Responsibilities include the following.
- Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization.
- 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.
- Analyzes appraisals and performs credit analysis for portfolio stress testing while relying on experience and judgment. Portfolio stress testing (including all Commercial Real Estate (CRE) loans, together with construction, multifamily and commercial real estate for investment purposes; and C & I and consumer loans) is used to develop contingency planning.
- Reviews individually evaluated loans and qualitative factors for collectively evaluated loans in preparation of the Allowance for Credit Loss Calculation.
- Manages special projects as assigned by Credit Risk Manager requiring a certain degree of creativity and latitude.
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.
- Preferred working location is within Origin's markets: Texas, North Louisiana, and Mississippi.
Education / Experience:
- Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree required.
- Also minimum of ten years related experience required with background as either experienced loan auditor or bank examiner preferred.
- Knowledge of Allowance for Credit Losses (ACL) accounting and methodology required.
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