Origin Bank · 12 hours ago
Business Lending Services Underwriter II
Fort Worth, TX
Full-time
Onsite
Mid, Senior Level
5+ years expOrigin Bank is committed to helping you grow both professionally and personally in a people-first culture. The Business Lending Services Underwriter II performs underwriting duties for loan relationships of $3 million or less, ensuring compliance with organizational policies and lending laws.
BankingFinanceFinancial Services
Responsibilities
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
Qualification
Required
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
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 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
To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Excel and Word
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
Must have strong working knowledge of the Origin Bank Lending Policy in order to provide proper decisioning of loan applications
Benefits
Competitive total rewards package
Generous benefits
One-on-one guidance from a nationally certified health and wellness coach
Free access to certified financial professionals
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