Credit Analyst jobs at Cadence Bank

Credit Analyst I (Start Date July 2026) Organizational Location: Houston, Atlanta, Dallas, North Texas, Austin, Ft Worth, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock Primary Purpose: Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. Principal Duties and Responsibilities: * Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). * Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. * Assesses strengths and weaknesses of loan requests. * Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. * Thoroughly documents the credit request in the appropriate format. * Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. * Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. * Strives to minimize turnaround time while thoroughly documenting credit requests. * Participate in training courses as requested. * Performs other duties as required. Job Specifications: * 3.0 or higher GPA * Minimum of 9 hours of accounting * Strong technical and interpersonal skills * Demonstrated leadership through extracurricular activities and internship/work experience * Strong oral and written communication skills * Knowledge of credit risk analysis and underwriting principles, methods, and practices. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education: * Bachelor's Degree in Finance, Accounting or related discipline required.

Summary Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved for the administration of an effective post-closing annual credit review function for the bank as well as daily management support of assigned covenant compliance tests for commercial clients by performing the following duties. Essential Duties and Responsibilities include the following. * 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. Additional Duties may include the following. * 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: Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail. Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations. Project Management - Completes projects on time and budget. Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests. Business Acumen - Understands business implications of decisions. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed. Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree preferred. Also seven to ten years related experience required. Language Skills 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. Mathematical Skills To successfully perform this job, it requires the 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. Reasoning Ability 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. Computer Skills To perform this job successfully, an individual should have 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. Bank Culture/Customer Service Skills 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. Compliance Requirements 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. Other Skills and Abilities Ability to read and comprehend commercial and residential appraisals. Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times. 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. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. 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. The noise level in the work environment is usually moderate. This 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. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. 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, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.

Summary Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved for the administration of an effective post-closing annual credit review function for the bank as well as daily management support of assigned covenant compliance tests for commercial clients by performing the following duties. Essential Duties and Responsibilities include the following. * 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. Additional Duties may include the following. * 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: Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail. Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations. Project Management - Completes projects on time and budget. Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests. Business Acumen - Understands business implications of decisions. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed. Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree preferred. Also seven to ten years related experience required. Language Skills 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. Mathematical Skills To successfully perform this job, it requires the 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. Reasoning Ability 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. Computer Skills To perform this job successfully, an individual should have 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. Bank Culture/Customer Service Skills 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. Compliance Requirements 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. Other Skills and Abilities Ability to read and comprehend commercial and residential appraisals. Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times. 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. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. 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. The noise level in the work environment is usually moderate. This 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. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. 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, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.

Summary Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved for the administration of an effective post-closing annual credit review function for the bank as well as daily management support of assigned covenant compliance tests for commercial clients by performing the following duties. Essential Duties and Responsibilities include the following. * 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. Additional Duties may include the following. * 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: Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail. Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations. Project Management - Completes projects on time and budget. Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests. Business Acumen - Understands business implications of decisions. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed. Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree preferred. Also seven to ten years related experience required. Language Skills 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. Mathematical Skills To successfully perform this job, it requires the 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. Reasoning Ability 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. Computer Skills To perform this job successfully, an individual should have 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. Bank Culture/Customer Service Skills 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. Compliance Requirements 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. Other Skills and Abilities Ability to read and comprehend commercial and residential appraisals. Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times. 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. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. 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. The noise level in the work environment is usually moderate. This 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. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. 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, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.

Summary: Analyzes credit data to estimate degree of risk involved in extending credit or lending money to Mortgage Warehouse clients and supporting the Credit Analysis Department and Mortgage Warehouse Division in any and all daily activities by performing the following duties. Duties and Responsibilities include the following. * Spread financial statements and perform credit analysis for potential and existing Mortgage Warehouse customers and guarantors on credit relationships of $2,500,000 and greater. * Analyzes financial and collateral data to determine the general creditworthiness of the client / prospect, as well as the merits of the specific loan request. * Reviews loan applications, production reports, investor reports, and related data. * Prepares written analysis of the client including company background, management, financial analysis and collateral performance for the loan submission package. * Identifies policy, collateral, missing document exceptions and strengths and weaknesses of the relationship. * Attends customer calls and site visits of potential / existing customers, as necessary, with the Mortgage Warehouse Relationship Managers. * Performs ongoing file maintenance to ensure credit information is uploaded to credit file in a timely manner. * Performs covenant compliance by reviewing and interpreting financial statements, tax returns, and supporting schedules for covenant testing for Mortgage Warehouse borrowers and/or guarantors based on the loan agreement. * Researches and summarizes industry information for potential and existing customers. * Runs credit bureaus and background checks for potential and existing customers and guarantors to evaluate for potential credit worthiness and/or fraud. * Other duties and responsibilities as assigned. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies - To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Problem Solving - Synthesizes complex or diverse information; Collects and researches data; Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully. Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to requests for service and assistance; Meets commitments. Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values. Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability - Adapts to changes in the work environment. Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year College or university, Accounting or Finance degree preferred; minimum of three or more years of credit analysis experience; or equivalent combination of education and experience. Computer Skills To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word and Excel. Ability to use bank-specific software. Ability to use basic office machines. Bank Culture/Customer Service Skills Promotes the Bank's culture, including the support of our Brand promise and Core Values. 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. Physical Demands While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to walk and use hands to finger, handle, or feel. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus. Work Environment The noise level in the work environment is usually moderate. This 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. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. the Bank's sole discretion. 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, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.

Summary: Analyzes credit data to estimate degree of risk involved in extending credit or lending money to Mortgage Warehouse clients and supporting the Credit Analysis Department and Mortgage Warehouse Division in any and all daily activities by performing the following duties. Duties and Responsibilities include the following. Spread financial statements and perform credit analysis for potential and existing Mortgage Warehouse customers and guarantors on credit relationships of $2,500,000 and greater. Analyzes financial and collateral data to determine the general creditworthiness of the client / prospect, as well as the merits of the specific loan request. Reviews loan applications, production reports, investor reports, and related data. Prepares written analysis of the client including company background, management, financial analysis and collateral performance for the loan submission package. Identifies policy, collateral, missing document exceptions and strengths and weaknesses of the relationship. Attends customer calls and site visits of potential / existing customers, as necessary, with the Mortgage Warehouse Relationship Managers. Performs ongoing file maintenance to ensure credit information is uploaded to credit file in a timely manner. Performs covenant compliance by reviewing and interpreting financial statements, tax returns, and supporting schedules for covenant testing for Mortgage Warehouse borrowers and/or guarantors based on the loan agreement. Researches and summarizes industry information for potential and existing customers. Runs credit bureaus and background checks for potential and existing customers and guarantors to evaluate for potential credit worthiness and/or fraud. Other duties and responsibilities as assigned. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies - To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Problem Solving - Synthesizes complex or diverse information; Collects and researches data; Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully. Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to requests for service and assistance; Meets commitments. Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values. Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability - Adapts to changes in the work environment. Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year College or university, Accounting or Finance degree preferred; minimum of three or more years of credit analysis experience; or equivalent combination of education and experience. Computer Skills To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word and Excel. Ability to use bank-specific software. Ability to use basic office machines. Bank Culture/Customer Service Skills Promotes the Bank's culture, including the support of our Brand promise and Core Values. 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. Physical Demands While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to walk and use hands to finger, handle, or feel. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus. Work Environment The noise level in the work environment is usually moderate. This 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. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. the Bank's sole discretion. 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, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members. Responsibilities: * Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury * Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions * Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio * Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners * Negotiates and structures legal documentation related to loans and derivatives * Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle * Trains, coaches, and mentors Credit Analysts and Associates Required Qualifications: * 7+ years' of experience in asset based and/or commercial lending * Experience in monitoring the credit health of asset based or commercial lending clients. * Strong knowledge and comprehension of loan and collateral documentation * Ability to accurately analyze borrower's financial picture and deliver a comprehensive risk analysis to manager and risk officers * Confidence and ability to develop an independent viewpoint and present a business case to support conclusions * Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus * Coaching and mentoring skills * Strong Microsoft Office Skills Desired Qualifications: * Bachelor's Degree in Accounting and/or Finance * 10+ years' of experience in asset based and/or commercial lending Skills: * Analytical Thinking * Credit and Risk Assessment * Financial Analysis * Loan Structuring * Underwriting * Attention to Detail * Business Acumen * Financial Forecasting and Modeling * Research Analysis * Written Communications * Collaboration * Critical Thinking * Portfolio Analysis Shift: 1st shift (United States of America) Hours Per Week: 40

Credit Analyst I (Start Date January 2026) Organizational Location: Houston, Atlanta, Dallas, Ft Worth, North Texas, Austin, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock Primary Purpose: Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. Principal Duties and Responsibilities: * Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). * Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. * Assesses strengths and weaknesses of loan requests. * Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. * Thoroughly documents the credit request in the appropriate format. * Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. * Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. * Strives to minimize turnaround time while thoroughly documenting credit requests. * Participate in training courses as requested. * Performs other duties as required. Job Specifications: * 3.0 or higher GPA * Minimum of 9 hours of accounting * Strong technical and interpersonal skills * Demonstrated leadership through extracurricular activities and internship/work experience * Strong oral and written communication skills * Knowledge of credit risk analysis and underwriting principles, methods, and practices. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education: * Bachelor's Degree in Finance, Accounting or related discipline required.

Credit Analyst I (Start Date January 2026) Organizational Location: Houston, Atlanta, Dallas, Ft Worth, North Texas, Austin, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock Primary Purpose: Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. Principal Duties and Responsibilities: * Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). * Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. * Assesses strengths and weaknesses of loan requests. * Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. * Thoroughly documents the credit request in the appropriate format. * Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. * Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. * Strives to minimize turnaround time while thoroughly documenting credit requests. * Participate in training courses as requested. * Performs other duties as required. Job Specifications: * 3.0 or higher GPA * Minimum of 9 hours of accounting * Strong technical and interpersonal skills * Demonstrated leadership through extracurricular activities and internship/work experience * Strong oral and written communication skills * Knowledge of credit risk analysis and underwriting principles, methods, and practices. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education: * Bachelor's Degree in Finance, Accounting or related discipline required.

Credit Analyst I (Start Date July 2026) Organizational Location: Houston, Atlanta, Dallas, North Texas, Austin, Ft Worth, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock Primary Purpose: Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. Principal Duties and Responsibilities: * Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). * Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. * Assesses strengths and weaknesses of loan requests. * Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. * Thoroughly documents the credit request in the appropriate format. * Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. * Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. * Strives to minimize turnaround time while thoroughly documenting credit requests. * Participate in training courses as requested. * Performs other duties as required. Job Specifications: * 3.0 or higher GPA * Minimum of 9 hours of accounting * Strong technical and interpersonal skills * Demonstrated leadership through extracurricular activities and internship/work experience * Strong oral and written communication skills * Knowledge of credit risk analysis and underwriting principles, methods, and practices. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education: * Bachelor's Degree in Finance, Accounting or related discipline required.

Credit Analyst I (Start Date January 2026) Organizational Location: Houston, Atlanta, Dallas, Ft Worth, North Texas, Austin, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock Primary Purpose: Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. Principal Duties and Responsibilities: * Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). * Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. * Assesses strengths and weaknesses of loan requests. * Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. * Thoroughly documents the credit request in the appropriate format. * Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. * Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. * Strives to minimize turnaround time while thoroughly documenting credit requests. * Participate in training courses as requested. * Performs other duties as required. Job Specifications: * 3.0 or higher GPA * Minimum of 9 hours of accounting * Strong technical and interpersonal skills * Demonstrated leadership through extracurricular activities and internship/work experience * Strong oral and written communication skills * Knowledge of credit risk analysis and underwriting principles, methods, and practices. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education: * Bachelor's Degree in Finance, Accounting or related discipline required.

Mission, Texas;San Juan, Texas **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (******************************************************************************************************************************* **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! ****This position is open for the entire market and the specific Financial Center location will be based on business needs. If you are offered a position, you will train at one financial center, and then potentially move to another location that is within a reasonable commuting distance of your home to the extent permitted by applicable law.**** **Job Description:** This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. **Responsibilities:** - Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities - Assists, educates, and trains clients on conducting simple transactions through self-service technologies - Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy - Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping - Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements **Required Qualifications:** - **BILINGUAL - SPANISH** -Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months. - Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client. - Collaborates effectively to get things done, building and nurturing strong relationships. - Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives. - Is confident in identifying solutions for helping new and existing clients based on their needs. - Has strong written and verbal communications skills. - Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone). - Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances. - Applies strong critical thinking and problem-solving skills to meet clients' needs. - Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. - Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws). - Can be flexible to work weekends and/or extended hours as needed. **Desired Qualifications:** - An associate's degree or bachelor's degree in business, finance, or a related field. - Experience working in a financial center where goals were met or exceeded. - Retail and/or sales experience in a salary plus incentive environment. - Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded. - Experience with financial information, spreadsheets and financial skills. - Knowledge of banking products and services. - Strong computer skills including MS applications and previous experience utilizing laptop technology. **Skills:** - Active Listening - Business Acumen - Customer and Client Focus - Oral Communications - Problem Solving - Account Management - Client Experience Branding - Client Management - Client Solutions Advisory - Relationship Building - Business Development - Pipeline Management - Prospecting - Referral Identification - Referral Management **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! This position is open for the entire market and the specific Financial Center location will be based on business needs. If you are offered a position, you will train at one financial center, and then potentially move to another location that is within a reasonable commuting distance of your home to the extent permitted by applicable law. Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: * Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities * Assists, educates, and trains clients on conducting simple transactions through self-service technologies * Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy * Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping * Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: * BILINGUAL - SPANISH * Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months. * Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client. * Collaborates effectively to get things done, building and nurturing strong relationships. * Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives. * Is confident in identifying solutions for helping new and existing clients based on their needs. * Has strong written and verbal communications skills. * Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone). * Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances. * Applies strong critical thinking and problem-solving skills to meet clients' needs. * Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. * Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws). * Can be flexible to work weekends and/or extended hours as needed. Desired Qualifications: * An associate's degree or bachelor's degree in business, finance, or a related field. * Experience working in a financial center where goals were met or exceeded. * Retail and/or sales experience in a salary plus incentive environment. * Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded. * Experience with financial information, spreadsheets and financial skills. * Knowledge of banking products and services. * Strong computer skills including MS applications and previous experience utilizing laptop technology. Skills: * Active Listening * Business Acumen * Customer and Client Focus * Oral Communications * Problem Solving * Account Management * Client Experience Branding * Client Management * Client Solutions Advisory * Relationship Building * Business Development * Pipeline Management * Prospecting * Referral Identification * Referral Management Shift: 1st shift (United States of America) Hours Per Week: 40

Areas of Interest: Finance; Private Banking Pay Transparency Salary Range: Not Available BOK Financial, Headquartered in Tulsa, Oklahoma, BOK Financial Corporation (NASDAQ: BOKF) is a top U.S.-based financial services holding company with operations in Oklahoma, Texas, Arizona, Arkansas, Colorado, Kansas, Missouri, Tennessee and New Mexico. The company began more than 100 years ago in Tulsa and has successfully diversified into a variety of industries, businesses and geographies. . Bonus Type Formula Based Summary Acting as a trusted advisor, finding and recommending the right financial solutions to help our high-net-worth clients grow, preserve, and protect their wealth is what you'll do as a Private Banker. We believe that no financial challenge is too big and no opportunity too small for us to start a conversation. We are guided by our commitment to serving our clients, providing a positive work environment for our employees, and making a difference in the communities we serve. Job Description The PRIVATE WEALTH BANKER IV is primarily responsible for making and servicing commercial and individual loans that involve significant amounts of both secured and unsecured funds and/or credit secured which have the highest visibility and are the most complex in nature. Additional responsibilities include the delivery of Brokerage, Investment management, Trust, and Insurance products to high net worth clients and businesses. Handles the largest, most profitable customer relationships within the department. Team Culture We understand everyone has different strengths and opportunities for growth and we strive to have the right mix of competencies in order to get the most out of the team dynamic. Your manager will be there for you and help guide your success. Your Client Service Associate will be the direct contact to handle your client base and provide a personal touch experience. Our team culture inspires our entrepreneurial spirit. It empowers us to act as trusted advisors. How You'll Spend Your Time * You will use your business savvy to identify new prospects and develop new business. * You'll use your product/service knowledge to determine what our clients need to enhance their private wealth strategy. * You will use your financial acumen and analytical skills to understand data to make informed decisions in order to structure loans, mitigate and identify risk, and keep us in regulatory compliance. * You will monitor and manage existing credit relationships in coordination with the Professional Services Group, including note renewals, detailed analysis of financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring. Education & Experience Requirements This level of knowledge is normally acquired through completion of a Bachelor's Degree in Finance or related field of study and 8-10 years of directly related experience in credit/banking and/or 14-16 years of equivalent combination of education and experience. BOK Financial Corporation Group is a stable and financially strong organization that provides excellent training and development to support building the long term careers of employees. With passion, skill and partnership you can make an impact on the success of the bank, customers and your own career! Apply today and take the first step towards your next career opportunity! The companies in BOK Financial Corporation Group are equal opportunity employers. We are committed to providing equal employment opportunities for training, compensation, transfer, promotion and other aspects of employment for all qualified applicants and employees without regard to sex, race, color, religion, national origin, age, disability, pregnancy status, sexual orientation, genetic information or veteran status. Please contact recruiting_********************* with any questions.

Location: Austin -AUS, Dallas -DAL, Houston -HOUS, San Antonio -SANAN, Grapevine -GRPV, Woodlands -WDLND Areas of Interest: Finance; Private Banking Pay Transparency Salary Range: Not Available BOK Financial, Headquartered in Tulsa, Oklahoma, BOK Financial Corporation (NASDAQ: BOKF) is a top U.S.-based financial services holding company with operations in Oklahoma, Texas, Arizona, Arkansas, Colorado, Kansas, Missouri, Tennessee and New Mexico. The company began more than 100 years ago in Tulsa and has successfully diversified into a variety of industries, businesses and geographies. . Bonus Type Formula Based Summary Acting as a trusted advisor, finding and recommending the right financial solutions to help our high-net-worth clients grow, preserve, and protect their wealth is what you'll do as a Private Banker. We believe that no financial challenge is too big and no opportunity too small for us to start a conversation. We are guided by our commitment to serving our clients, providing a positive work environment for our employees, and making a difference in the communities we serve. Job Description The PRIVATE WEALTH BANKER IV is primarily responsible for making and servicing commercial and individual loans that involve significant amounts of both secured and unsecured funds and/or credit secured which have the highest visibility and are the most complex in nature. Additional responsibilities include the delivery of Brokerage, Investment management, Trust, and Insurance products to high net worth clients and businesses. Handles the largest, most profitable customer relationships within the department. Team Culture We understand everyone has different strengths and opportunities for growth and we strive to have the right mix of competencies in order to get the most out of the team dynamic. Your manager will be there for you and help guide your success. Your Client Service Associate will be the direct contact to handle your client base and provide a personal touch experience. Our team culture inspires our entrepreneurial spirit. It empowers us to act as trusted advisors. How You'll Spend Your Time * You will use your business savvy to identify new prospects and develop new business. * You'll use your product/service knowledge to determine what our clients need to enhance their private wealth strategy. * You will use your financial acumen and analytical skills to understand data to make informed decisions in order to structure loans, mitigate and identify risk, and keep us in regulatory compliance. * You will monitor and manage existing credit relationships in coordination with the Professional Services Group, including note renewals, detailed analysis of financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring. Education & Experience Requirements This level of knowledge is normally acquired through completion of a Bachelor's Degree in Finance or related field of study and 8-10 years of directly related experience in credit/banking and/or 14-16 years of equivalent combination of education and experience. BOK Financial Corporation Group is a stable and financially strong organization that provides excellent training and development to support building the long term careers of employees. With passion, skill and partnership you can make an impact on the success of the bank, customers and your own career! Apply today and take the first step towards your next career opportunity! The companies in BOK Financial Corporation Group are equal opportunity employers. We are committed to providing equal employment opportunities for training, compensation, transfer, promotion and other aspects of employment for all qualified applicants and employees without regard to sex, race, color, religion, national origin, age, disability, pregnancy status, sexual orientation, genetic information or veteran status. Please contact recruiting_********************* with any questions.

Mission, Texas;San Juan, Texas **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (******************************************************************************************************************************* **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! ****This position is open for the entire market and the specific Financial Center location will be based on business needs. If you are offered a position, you will train at one financial center, and then potentially move to another location that is within a reasonable commuting distance of your home to the extent permitted by applicable law.**** **Job Description:** This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. **Responsibilities:** - Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities - Assists, educates, and trains clients on conducting simple transactions through self-service technologies - Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy - Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping - Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements **Required Qualifications:** - **BILINGUAL - SPANISH** -Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months. - Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client. - Collaborates effectively to get things done, building and nurturing strong relationships. - Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives. - Is confident in identifying solutions for helping new and existing clients based on their needs. - Has strong written and verbal communications skills. - Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone). - Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances. - Applies strong critical thinking and problem-solving skills to meet clients' needs. - Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. - Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws). - Can be flexible to work weekends and/or extended hours as needed. **Desired Qualifications:** - An associate's degree or bachelor's degree in business, finance, or a related field. - Experience working in a financial center where goals were met or exceeded. - Retail and/or sales experience in a salary plus incentive environment. - Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded. - Experience with financial information, spreadsheets and financial skills. - Knowledge of banking products and services. - Strong computer skills including MS applications and previous experience utilizing laptop technology. **Skills:** - Active Listening - Business Acumen - Customer and Client Focus - Oral Communications - Problem Solving - Account Management - Client Experience Branding - Client Management - Client Solutions Advisory - Relationship Building - Business Development - Pipeline Management - Prospecting - Referral Identification - Referral Management **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! This position is open for the entire market and the specific Financial Center location will be based on business needs. If you are offered a position, you will train at one financial center, and then potentially move to another location that is within a reasonable commuting distance of your home to the extent permitted by applicable law. Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: * Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities * Assists, educates, and trains clients on conducting simple transactions through self-service technologies * Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy * Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping * Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: * BILINGUAL - SPANISH * Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months. * Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client. * Collaborates effectively to get things done, building and nurturing strong relationships. * Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives. * Is confident in identifying solutions for helping new and existing clients based on their needs. * Has strong written and verbal communications skills. * Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone). * Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances. * Applies strong critical thinking and problem-solving skills to meet clients' needs. * Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. * Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws). * Can be flexible to work weekends and/or extended hours as needed. Desired Qualifications: * An associate's degree or bachelor's degree in business, finance, or a related field. * Experience working in a financial center where goals were met or exceeded. * Retail and/or sales experience in a salary plus incentive environment. * Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded. * Experience with financial information, spreadsheets and financial skills. * Knowledge of banking products and services. * Strong computer skills including MS applications and previous experience utilizing laptop technology. Skills: * Active Listening * Business Acumen * Customer and Client Focus * Oral Communications * Problem Solving * Account Management * Client Experience Branding * Client Management * Client Solutions Advisory * Relationship Building * Business Development * Pipeline Management * Prospecting * Referral Identification * Referral Management Shift: 1st shift (United States of America) Hours Per Week: 40

Credit Analyst I (Start Date July 2026) Organizational Location: Houston, Atlanta, Dallas, North Texas, Austin, Ft Worth, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock Primary Purpose: Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. Principal Duties and Responsibilities: * Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). * Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. * Assesses strengths and weaknesses of loan requests. * Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. * Thoroughly documents the credit request in the appropriate format. * Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. * Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. * Strives to minimize turnaround time while thoroughly documenting credit requests. * Participate in training courses as requested. * Performs other duties as required. Job Specifications: * 3.0 or higher GPA * Minimum of 9 hours of accounting * Strong technical and interpersonal skills * Demonstrated leadership through extracurricular activities and internship/work experience * Strong oral and written communication skills * Knowledge of credit risk analysis and underwriting principles, methods, and practices. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education: * Bachelor's Degree in Finance, Accounting or related discipline required.

Credit Analyst I Intern (Summer 2026) Organizational Location: Houston, TX What The Role Is: Introduces students to the carious processes involved in underwriting and servicing commercial loans. Mentoring relationships with Cadence Leaders. "Meet & Greets" featuring guest speakers and team-building activates provide important engagement opportunities white simultaneously allowing participants to make valuable contributions to the bank and the communities we service. This is an On-Site Position. * Participate in credit underwriting training including readings, exercises, and review sessions. * Participate in business skills training including review sessions, exercises and presentations. * Participate in question and answer sessions with Senior Loan Committee including reviewing credit packages ahead of time. * Performs other duties as required. * The program runs from June 1- July 24, 2026 * Positions are available in Houston, TX Required Skills: * 3.0 or higher GPA * Plan to take a minimum of 9 hours of accounting including intermediate before graduation. * Strong technical and interpersonal skills. * Demonstrated leadership though extracurricular activates and internship/work experience. * Strong oral and written communication skills. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database applications systems. Education: * Pursing a Bachelor's Degree in Finance, Accounting, or related discipline with one year or less before graduation.