Commercial Credit Risk Review Officer I

Bank OZK • Little Rock, AR • 15h 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

Performs independent analysis of corporate and personal financial statements and tax returns and interprets viability of the sources of repayment.

Reviews loans to evaluate the strength of underwriting and asset management practices.

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.

Discusses review findings with the Reviewer-In-Charge and makes recommendations.

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.

Performs other duties as assigned.

Knowledge, Skills & Abilities

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

Knowledge of and exposure to basic principles of auditing.

Ability to review and analyze small to midsize loans of little to moderate complexity.

Ability to communicate effectively both verbally and in writing.

Ability to work effectively both independently and with others.

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

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

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 Outlook, including Excel and Word, and ability to acquire other computer skills as needed.

Basic Qualifications

Bachelor's degree or commensurate work experience, required.

Minimum of two (2) years commercial lending experience, required.

Minimum of two (2) years commercial credit experience in regional bank, preferred.

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

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.

LI-BS1

EEO Statement

Bank OZK is an equal opportunity employer and gives 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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