Associate, CECL Analytics

Bank OZK • Houston, TX • 3h 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 supporting first line management of the Bank's CECL analytics. The position focuses on risk analysis, reporting, and understanding the Bank's data inputs for various credit risk models and support related programs such as CRE/Capital Stress Testing, Credit Scorecard, and Risk Rating Analytics. This role will convey analysis to Senior and Executive Management using analytics techniques, independent research, and subject matter expertise.

Essential Job Functions

Provides internal stakeholders with analytics, reporting, and insights using internal/external data and analytics tools.

Analyzes, interprets, and conveys economic, market, and internal drivers that influence credit portfolio risk and quantitative model outputs.

Develops solutions independently to business problems using critical thinking and creativity.

Extracts and transforms data using SQL or Python, find data inconsistencies, and resolve data quality issues.

Assists in executing risk models, documenting procedures, and running user acceptance testing for the Bank's Current Expected Credit Losses (CECL) programs.

Manages assigned projects timely to ensure compliance with regulatory deadlines and internal due dates.

Produces and present high-quality reports and analyses to co-workers, management, and executives.

Supports requests from related Capital Stress Testing, Credit Scorecard, and Risk Rating Analytics Programs.

Performs other duties as assigned.

Knowledge, Skills & Abilities

General financial knowledge including basics of lending and loan structure.

Knowledge of quantitative modeling principles and data quality standards.

Ability to communicate effectively both verbally and in writing to a broad level of audiences.

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

Ability to multitask and produce high-quality reports, presentations, and analyses.

Ability to operate and work collaboratively in a fast-paced, unpredictable environment with exacting deadlines.

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

Comprehensive skill in computer and software, including SQL, R or Python, Power BI, and Microsoft Office Suite (Word, Excel, PowerPoint, and Outlook).

Basic Qualifications

Bachelor's degree in business administration, accounting, finance, business analytics, or job-related discipline, or five (5) years of work experience in credit analytics, required, master's degree preferred.

Two or more years of demonstrated experience in data analysis, business intelligence, data management, or a job-related field, required.

Two or more years of experience in banking, finance, accounting, or real estate, 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.

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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.

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