Origin Bank · 8 hours ago
Director of Allowance for Credit Losses
Longview, TX
Full-time
Hybrid
Senior Level, Lead/Staff
10+ years expOrigin Bank is seeking a Director of Allowance for Credit Losses to administer the preparation of the allowance for credit loss calculation and maintain compliance with SOX controls. The role involves identifying credit risks, monitoring compliance, and developing policies to enhance departmental effectiveness.
BankingFinanceFinancial Services
Responsibilities
Advises and assists department managers, officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility
Identifies and analyzes areas of potential credit risk to the assets, earnings and repayment capacity of the borrowers
Monitors administration of the completion of the Allowance for Credit Loss Calculation including the review of individually evaluated loans and qualitative factors for collectively evaluated loans
Monitors administration of Subjective Adjustment Evaluation memo for current quarter facts and circumstances to ensure qualitative factors selected are adequately supported and directionally consistent with the current environment
Monitors and Maintains Compliance with related SOX Controls including, but not limited to loan extract datasets, charge offs and recoveries, loan modifications, unfunded commitment review, loan pooling structure, loan weighted average life calculation review, historical loss rates, methodology review, loans to be reviewed for individual evaluation, reasonable and supportable forecast period, qualitative factors and supporting allowance narratives, overall scorecard assumptions including changes to qualitative factor inventory as well as other key assumptions
Monitors administration of sensitivity testing of specific key assumptions and inputs
Monitors the administration of the ACL Model Testing Plan and ensures that model testing targets and scope are satisfied annually
Monitors the administration of the bank’s independent model validation of the ACL and remediation of any findings on a timely basis
Monitors the Administration of the Current Expected Credit Loss (CECL) Model Documentation updates that are to occur at least annually or more often if required
Monitors the administration of potential new models under development including internal testing and documentation
Develops and implements policies and procedures that will ensure the effectiveness and productivity of the Department
Assists Credit Risk Management Department as needed to carry out objectives
Directly supervises employees of the ACL Management Department. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems
Qualification
Required
Bachelor's degree (B. A.) from four-year college or university
ten or more years credit experience required
equivalent combination of education and experience
Knowledge of Allowance for Credit Losses (ACL) accounting and methodology required
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
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 basic knowledge of computer applications such as nCino, Moody's, the Internet, Outlook, Microsoft Word and Microsoft Excel
Ability to use basic office machines
Ability to learn bank-specific software
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
Ability to read and comprehend commercial and residential appraisals
Remains current with changes in USPAP, FIRREA, and Origin Lending Policy at all times
Preferred
Accounting or Finance degree preferred
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