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 supporting lending efforts by performing the analysis, underwriting, origination, monitoring, and servicing of loans of varying degree of complexity and attention to detail across the Corporate & Institutional Banking ("CIB") division. Underwrites and reviews credit memorandums and ensures all due diligence is complete and accurate and in compliance with the policies and procedures of the CIB - portfolio management, underwriting, and operations. Responsible for monitoring and maintaining credit relationships within CIB division.
Essential Job Functions
Ensures thorough, accurate, and timely servicing of the loan portfolio in compliance with Bank's Loan Policy.
Oversees and directs associates within CIB regarding potential exposure, operational risks, or servicing issues.
Assigns work to associates to ensure loan requests are processed in a timely manner.
Monitors risk within the loan portfolio to ensure potential challenges are identified well in advance and communicated to borrowers and upper management so that timely resolutions result in mitigation of Bank's risk.
Ensures underwriting is thorough, accurate, and incorporates detailed risk analysis mitigation that aligns with the Bank's credit risk appetite.
Provides financial analysis, analytical, and underwriting support to business lines within the CIB.
Oversees and provides guidance for the underwriting of CIB Credit Analysts.
Collaborates on underwriting guidelines and expectations, develops required loan presentation content and standardized approaches, and recommends updates, as appropriate.
Reviews and recommends updates to relevant sections of Loan Policy to upper management.
Provides advice and expertise on trouble credits as to best course of action.
Mentors junior staff across the division.
Regularly exercises discretion and judgment in the performance of essential job functions.
Maintains good punctuality and attendance to work.
Follows Bank policy, procedures, and guidelines.
Knowledge, Skills & Abilities
Comprehensive knowledge and understanding of finance and credit analysis.
Comprehensive knowledge of lending activities and terminology.
Knowledge of federal and state lending and compliance regulations.
Ability to demonstrate effective interpersonal, negotiation, and communication skills.
Ability to demonstrate effective leadership presence and credibility.
Ability to demonstrate strong business acumen and business development skills.
Ability to demonstrate critical thinking, analytical, and problem-solving skills.
Ability to work effectively and collaboratively across functional and organizational groups and build business relationships to achieve the desired objectives of the Bank.
Ability to develop and motivate staff to achieve team goals.
Ability to multitask, manage priorities, and work effectively within exacting deadlines.
Ability to demonstrate accuracy and thoroughness in work.
Ability to maintain confidentiality.
Ability to work without direct supervision.
Ability to work evenings and weekends as necessary.
Skill in using computer and Microsoft Office, including Word, Excel, PowerPoint, and Outlook.
Basic Qualifications
Ensures thorough, accurate, and timely servicing of the loan portfolio in compliance with Bank's Loan Policy.
Oversees and directs associates within CIB regarding potential exposure, operational risks, or servicing issues.
Assigns work to associates to ensure loan requests are processed in a timely manner.
Monitors risk within the loan portfolio to ensure potential challenges are identified well in advance and communicated to borrowers and upper management so that timely resolutions result in mitigation of Bank's risk.
Ensures underwriting is thorough, accurate, and incorporates detailed risk analysis mitigation that aligns with the Bank's credit risk appetite.
Provides financial analysis, analytical, and underwriting support to business lines within the CIB.
Oversees and provides guidance for the underwriting of CIB Credit Analysts.
Collaborates on underwriting guidelines and expectations, develops required loan presentation content and standardized approaches, and recommends updates, as appropriate.
Reviews and recommends updates to relevant sections of Loan Policy to upper management.
Provides advice and expertise on trouble credits as to best course of action.
Mentors junior staff across the division.
Regularly exercises discretion and judgment in the performance of essential job functions.
Maintains good punctuality and attendance to work.
Follows Bank policy, procedures, and guidelines.
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.
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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.
