Credit Risk Management Officer R-2145

Credit Risk Analyst

Analyzes credit data and financial statements of individuals and / or firms to determine the degree of risk involved by performing the following duties for the preparation of the allowance for credit loss calculation and preparation of forward looking stress tests. Essential duties and responsibilities include the following :

• Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization.
• 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.
• Analyzes appraisals and performs credit analysis for portfolio stress testing while relying on experience and judgment.
• Portfolio stress testing (including all Commercial Real Estate (CRE) loans, together with construction, multifamily and commercial real estate for investment purposes; and C & I and consumer loans) is used to develop contingency planning.
• Reviews individually evaluated loans and qualitative factors for collectively evaluated loans in preparation of the Allowance for Credit Loss Calculation.
• Manages special projects as assigned by Credit Risk Manager requiring a certain degree of creativity and latitude.
• Provides additional assistance as needed by Credit Risk Manager.

Supervisory Responsibilities : This job has no supervisory responsibilities.

Competencies : To perform the job successfully, an individual should demonstrate the following competencies :

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 :

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.

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 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.