The posting
Your Career. Your Story. Let's Write the Next Chapter Together. At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us. Job Description Performs underwriting duties for loan relationships of $3 million or less in compliance with organizational policies/procedures and state and federal lending laws/regulations by performing the following duties. Essential Duties and Responsibilities include the following. Evaluates loan applications up to and including loan relationships of $3 million or less for business purposes. Analyzes income and debt levels to determine Debt Service Coverage (DSC) ratios which are critical when determining repayment ability. Spreads and analyzes financial statements and tax returns for potential and existing customers and guarantors. Prepares company cash flows, global cash flows, financial analysis, and collateral valuations for loan requests. Reviews and Interprets spreads and financial info using trend analysis, ratio analysis, and other financial analysis tools for use in evaluation larger and more complex credits. Decisions loan applications for either approval as submitted, conditional approval or denial. Evaluates an individual's credit score (or business credit score) and historical payment records. Assesses the risks associated with the pricing of the credit (interest rate risk), the current economic climate (market risk) and the industry or the occupation (industry risk) of the applicant. Provides written comments to support loan decisions with each loan application that will become a permanent part of the file. Builds and maintains strong relationships with lenders, loan assistants, and loan support staff. Provide guidance to lenders on loan policy requirements, structure, collateral, loan covenants, and monitoring requirements for new or existing business loan requests in order to maximize profitability and minimize risk and policy exceptions. Generally focuses on the underwriting of larger and more complex credits that require a more thorough and detailed analysis Attends risk department/division meetings as required to maintain a current working knowledge of substandard and other higher risk relationships. Supervisory Responsibilities This job has no supervisory responsibilities. 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; minimum five years’ experience as a business underwriter; or equivalent combination of education and experience. Language Skills Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Mathematical Skills Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Computer Skills To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Excel and Word. Customer Service Skills 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. Other Skills Must have strong working knowledge of the Origin Bank Lending Policy in order to provide proper decisioning of loan applications. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand; walk; sit and use hands to finger, handle, or feel. 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 work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position operates in a professional banking environment and routinely uses standard office equipment and digital tools such as secure financial systems, computers, phones, photocopiers, and scanners. The role requires maintaining a high level of professionalism, confidentiality, and attention to detail in all interactions. Work is typically performed in a corporate office setting with a moderate noise level and a dynamic, collaborative, and inclusive workplace where innovation thrives. Expect a fast-paced, supportive atmosphere where your ideas are heard, and your contributions make an impact. This role may occasionally require travel. 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. Our Hiring Process The following pre-employment screenings will be completed after a conditional offer of employment has been accepted: Criminal Background check Credit check Fingerprint check Drug Screen OFAC check Reference check Employment verification Education verification 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 At Origin Bank, we don’t just offer jobs—we build careers rooted in purpose, growth, and community impact. Our award-winning culture is driven by people who value collaboration, celebrate success, and care deeply about making a difference in the lives of our customers and communities. We’re proud to be named one of the Best Banks to Work For by American Banker for 12 consecutive years. Why? 1. Our Culture is Everything. We’re passionate about maintaining a workplace where people feel seen, supported, and inspired. We hire top talent, recognize contributions, and foster a team environment centered around delivering exceptional customer experiences. 2. We Invest in You. From career development and leadership coaching to our Dream Manager and wellness programs, we’re committed to supporting your personal and professional goals—because when you thrive, so do we. 3. Relationships Come First. Since 1912, our mission has been built on strong relationships with our customers, colleagues, communities and shareholders. Here, you’re empowered to make a real impact and help others achieve their dreams. We’re redefining what it means to work at a bank—by putting people first, challenging expectations, and making banking better. Discover more about our culture, benefits, and employee programs by clicking here.
