Officer Development Program

The Officer Development Program (ODP) at Amegy Bank is a dynamic credit training program designed to develop well-rounded bankers who will be the future leaders of the Bank. The program provides continued growth and challenge at a tailored pace to advance each credit analyst toward bank officer responsibilities.

Although the program’s emphasis is on developing commercial lending skills, the program is flexible, allowing participants to prepare for and join non-lending divisions of the bank if they so choose.

The Officer Development Program provides:
• A solid foundation in the basics of banking
• One-on-one working relationships with high-level bank decision makers
• Fast-paced, in-depth exposure to key financial services areas
• Increasing portfolio and client development responsibilities – ideal for the “go getter”
• Very competitive salary and benefits. 

Program Format

Phase I – Initial Training (3 months)

The initial training is the most highly structured and managed phase of the program.  Topics covered during the first three months include introductory banking and analytical concepts as well as bank-specific administrative training.

All credit analysts are required to complete the Omega Commercial Loans to Business self-study course as part of the initial training.  This course is designed to teach the analytical process and decision-making techniques needed to make sound credit decisions.  It includes the application of financial accounting, financial statement analysis, cash flow analysis and loan structuring.

In addition to the self study materials, during initial training credit analysts participate in:

·         Mock write ups based on case studies

·         Weekly discussion sessions to review concepts introduced in the self study materials

·         Training to perform credit underwriting according to bank policy

·         Introductions to senior management

·         Department tours providing an overview of bank operations

Phase II – Rotations 
 

The primary objective of Phase II is on the job training.  Credit analysts work closely with bank officers performing comprehensive credit underwriting and preparing loan presentation packages (also known as credit authorizations). 

On the job training is accomplished through a structured rotation system.  Credit analysts are assigned to specific lending groups for a series of 5 to 7 rotations, each rotation lasting approximately 12 weeks.  During these rotations, the credit analyst performs all analytical work required for that particular department. 

Specific responsibilities include:

·         Preparation of financial statement spreads and credit authorizations

·         Participation in loan approval presentations

·         Shadowing bank officers in customer/prospect meetings

·         Participation in seminars and on-going training sessions

The rotational system offers each credit analyst equal and in-depth exposure to all of the lending groups, which facilitates the placement process and ensures the development of well-rounded bank officers.