Origin Bank · 9 hours ago
Credit Risk Review Officer
Tyler, TX
Full-time
Hybrid
Senior Level
7+ years expOrigin Bank is a financial institution seeking a Credit Risk Review Officer to analyze credit data and financial statements to assess risk for post-closing annual credit reviews and covenant compliance for commercial clients. The role involves conducting annual credit reviews, monitoring compliance with loan agreements, and collaborating with relationship managers to ensure effective risk management.
BankingFinanceFinancial Services
Responsibilities
Performs annual reviews on credit relationships of $2,500,000 and greater
Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization (including but not limited to more complex credits)
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
Performs and administers the loan agreement covenant compliance monitoring system by reviewing and interpreting confidential financial statements, tax returns and supporting schedules to be used for covenant tests for borrowers and/or guarantors bank-wide based on their existing business loan agreements
Responsible for determining if covenant violations exist, and if so, immediately advises and works with the Relationship Manager to resolve the violations and to ensure credit is properly risk-rated
Assists relationship managers in assessing covenants and monitoring procedures
Consults with Relationship Managers and Credit Officers to make recommendations on risk ratings
Ensures Compliance with related SOX Controls
Provides support for borrowing base certificate monitoring process as needed
Recommends changes and new procedures to improve efficiency in existing processes and procedures
Assists Credit Risk Management Department as needed to carry out objectives
Qualification
Required
Seven to ten years related experience required
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals
Ability to write routine reports and correspondence
Ability to speak effectively before groups of customers or employees of organization
Ability to calculate financial ratios including those ratios that measure liquidity, activity, leverage, coverage and profitability
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
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
Knowledge of the Internet, Outlook, Microsoft Word, Excel and PowerPoint
Ability to use basic office machines such as 10-key adding machine, computer keyboard, telephone, fax machine and copy machine
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
Responsible for compliance under the requirements of the BSA, AML, OFAC and CIP related policies as well as adherence to the bank's procedures to fulfill the requirements of the regulations
Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department
Preferred
Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree preferred
Ability to read and comprehend commercial and residential appraisals
Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times
Company
Origin Bank
A bank that offers personal banking and housing lending services in Louisiana, Mississippi, and Texas.
501-1000 employees
H1B Sponsorship
Origin Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (1)
2022 (2)
Funding
Current Stage
Public CompanyTotal Funding
$45M2018-05-08IPO
2017-11-28Private Equity· $45M
Leadership Team
Zachariah Wasson
Executive Vice President and Chief Financial Officer
Recent News
2025-10-31
Origin Bancorp, Inc.
2025-10-24
Company data provided by crunchbase