Commercial Credit Risk Review Officer II

Bank OZK • Dallas, TX • 10h ago

Why Bank OZK

Founded on a legacy of more than 120 years in banking, Bank OZK is much more than just a company. We're nationally recognized as an industry leader in financial services. That means we combine exceptional service with innovative technologies to deliver smart solutions to our clients across the country. We're investing in small businesses, fueling economies in local communities and changing skylines in the largest cities across America. Here, we're not simply filling roles. We're fostering even greater careers.

The foundation for a great career starts with an exceptional team and a comprehensive benefits package. We believe in providing our dedicated team members with the best resources to support their physical, mental and financial wellbeing, including generous PTO, 401(k) matching, health, dental, vision (and pet!) insurance as well as special perks and discounts. Learn more about Bank OZK benefits (https://careers.ozk.com/benefits) .

Job Purpose & Scope

Responsible for assessing the quality of loan relationships and the quality of internal routines and controls designed to identify, measure, monitor and control credit risk.

Essential Job Functions

Reviews loans to evaluate the strength of underwriting and asset management practices and recommends actions to remediate identified weaknesses.

Reviews loans to assess credit quality and the accuracy of the assigned risk ratings; recommends appropriate risk ratings based on findings.

Assesses business line adherence to credit policy and procedures and regulatory guidelines, laws, and regulations.

Identifies key risk issues and recommends action plans to remediate concerns.

Documents loan level findings and conclusions on asset quality reports.

Discusses loan level concerns with originators, underwriters, and other business line personnel.

Ensures asset quality reports and supporting documentation are comprehensive, complete, and supportive of findings and conclusions.

Embraces a culture of continuous process improvement and supports the Credit Risk Review Department's professional practice and quality control standards.

Acts as a reviewer-in-charge of business line and loan product evaluations, as needed.

Performs other duties as assigned.

Knowledge, Skills & Abilities

Knowledge of loan documentation, credit, and financial statement analysis.

Knowledge and understanding of basic principles of auditing.

Knowledge and understanding of federal banking regulations.

Knowledge of the fundamentals of commercial credit origination, underwriting, servicing, and monitoring.

Ability to review and analyze mid to large size loans of little to moderate complexity.

Ability to communicate effectively both verbally and in writing.

Ability to utilize discretion and sound judgment in decision-making.

Ability to work effectively both independently and with others.

Ability and desire to continuously learn on-the-job.

Ability to manage multiple tasks with exacting deadlines in a fast-paced environment.

Ability to maintain confidentiality.

Ability to demonstrate effective organization, critical thinking, analytical, and problem-solving skills.

Ability to work effectively and demonstrate flexibility in a continually changing environment.

Ability to demonstrate attention to detail.

Ability to work without close supervision.

Skill in using computer and Microsoft Office, including Outlook, Excel, and Word, and ability to acquire other computer skills as needed.

Basic Qualifications

Bachelor's degree, or commensurate work experience, required.

Minimum of four (4) years of commercial lending experience, required.

Minimum of one (1) year of Commercial Credit Risk Review, or commensurate Bank Examiner experience, required.

Commercial Credit Underwriter experience, preferred.

Workout & Recovery Officer (Special Assets) experience, preferred.

RMA Credit Risk Certification ("CRC"), preferred.

LI-BS1

Job Expectations

Operate customary equipment and technology used in a business environment, with or without accommodation.

Note: This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time.

EEO Statement

Bank OZK is an equal opportunity employer and give consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.

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