Covenant Compliance Audit Analyst II. Longview LilyLifestyle

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If you're eager for a career where you can build connections, make a positive impact, and pursue your personal and professional aspirations, we invite you to apply and start the next chapter of your rewarding career with us.

You will provide daily management support for covenant compliance testing for commercial clients, along with monitoring borrowing base certificates related to asset-based line management and documentation imaging.

• Administer the loan agreement covenant compliance monitoring system by reviewing and interpreting confidential financial statements, tax returns, and supporting schedules for covenant tests bank-wide.
• Ensure loan agreements are accurate and compliant with approved CAS/ACAS, addressing and processing any deviations appropriately.
• Identify and resolve covenant violations in collaboration with the Relationship Manager to ensure appropriate credit risk ratings.
• Monitor asset-based lines of credit for compliance with funding definitions and maintain accurate documentation.
• Communicate with the Relationship Manager, borrowers, and accountants to resolve any Borrowing Base Certificate discrepancies.
• Alert the Relationship Manager of collateral shortfalls and track the resolution within the required time frames.
• Prepare borrowing base reports for exceptions meetings and adjust RLOC availability as needed.
• Support proper documentation tracking for bank-wide asset-based lines of credit.

• Assist the Manager with special projects, including engaging an Approved Asset-Based field auditor for pre-funding audits.
• Propose new procedures to enhance efficiency in existing processes.
• Track policy exceptions identified on the approved CAS.
• Assist in training and developing new relationship managers and credit analysis team members in credit reviews and covenant processes.
• Support the Covenant Compliance Department in achieving department objectives.

This role does not have supervisory responsibilities.

The following competencies are essential for success in this position:

• Analytical and Problem Solving:
  Synthesizes complex information, researches data, and resolves problems effectively with notable attention to detail.
• Interpersonal Skills/Customer Service:
  Maintains confidentiality and responds promptly to service requests.
• Oral and Written Communication:
  Effectively presents information and data, both verbally and in writing.
• Teamwork:
  Supports team efforts and contributes positively to a collaborative work environment.
• Organizational Support:
  Adheres to policies and procedures, completing administrative tasks accurately and on time.
• Judgment:
  Displays sound judgment and engages relevant parties in decision-making.
• Planning/Organizing:
  Efficiently prioritizes and plans work activities.
• Professionalism:
  Conducts oneself with respect and consideration under pressure.
• Quality and Quantity:
  Completes work with accuracy and thoroughness in a timely manner.
• Adaptability:
  Adjusts to changes and manages competing demands effectively.
• Attendance/Punctuality and Dependability:
  Maintains consistent attendance and responsibilities, following management directions willingly.

To perform this role successfully, candidates should meet the following criteria:

• Bachelor's degree in Finance or Accounting preferred; two to three years of relevant experience.
• Knowledge of federal/state banking regulations and lending practices.

Proficiency in basic computer applications such as Internet, Outlook, Microsoft Word, and Excel; familiarity with bank-specific software is desirable.

Exhibit the Bank's culture and core values while delivering superior customer service internally and externally.

This position involves significant sitting, talking, and using hands for tasks. Occasional lifting of up to 25 pounds may be required.

The typical noise level in the workspace is moderate.

This job description reflects essential functions as assigned by management and may be adjusted as needed to meet changing demands. It is not a contractual agreement.

Origin Bank is an 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,…