What are the responsibilities and job description for the Credit Risk Reporting & Analytics Officer position at Origin Bank?
Summary: Prepares weekly, monthly and quarterly Credit Risk Management reports and other reports as requested, examines loan transactions for adherence to bank policy while promoting an accurate loan database by performing the following duties.
Duties and Responsibilities include the following.
- Identifies and analyzes areas of potential credit risk to the assets, earnings and repayment capacity of the borrowers.
- Gathers risk-related data from internal or external resources.
- Prepares monthly and quarterly complex Credit Risk Management reports and presentations that outline findings to Board of Directors and Executive Management.
- Prepares complex external reports for regulators.
- Writes and updates Credit Risk Reports in BIC, the IBS reporting writing software.
- Recommends changes and new procedures to improve efficiency in existing processes and procedures.
- Manages special projects under the direction of the Assistant Manager.
- Provides administrative assistance as needed.
Supervisory Responsibilities
This job has no supervisory responsibilities.
Competencies - To perform the job successfully, an individual should demonstrate the following competencies:
Problem Solving/Analytical and Design - Gathers and analyzes information skillfully; Collects and researches data; Demonstrates attention to detail.
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; Presents numerical data effectively; Able to read and interpret written information.
Teamwork - Balances team and individual responsibilities; Puts success of team above own interests.
Organizational Support - Follows policies and procedures; Supports organization's goals and values.
Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.
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 and Initiative - Adapts to changes in the work environment; Manages competing demands.
Attendance/Punctuality and Dependability - Is consistently at work and on time; 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 in Finance or Accounting preferred; two to three years related experience preferred and/or MBA.
Computer Skills
To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word, Excel and PowerPoint. Ability to use bank-specific software such as MPC, IBS, ADP, etc. 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 frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. 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 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.
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