INTRODUCTION

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.

JOB PURPOSE & SCOPE

Responsible for supporting lending efforts by underwriting new and renewed loans. Serves as a trained credit underwriter and works with loan types including corporate, commercial and industrial, and commercial real estate transactions. Underwrites transactions of varying complexity (generally carry total bank commitments “TCE” up to $30MM). Completes annual reviews, performs financial statement analysis and completes global debt service calculations.

ESSENTIAL JOB FUNCTIONS:

• Underwrites business banking and commercial department loan requests with total credit exposure (TCE) up to $30MM.
• Performs annual reviews, financial spreads and global debt service calculations.
• Ensures loan requests are underwritten consistently and in accordance with the Bank’s credit policies, procedures and standards.
• Manages assigned credit transactions, ensuring the loan requests are handled efficiently and processed in a timely manner, consistent with the Bank’s standards.
• Communicates with lenders, credit officers and management regarding specifics concerning approved and declined loans.
• Tracks, monitors, and reports activity on loan applications and decisions, including maintaining a record of loan applications received and booked.
• Maintains the independence of the underwriting function and the recommendation of the initial credit risk rating.
• 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:

• Knowledge of general financial and banking principles.
• Knowledge of bank regulations related to the Office of Foreign Asset Control, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT Act.
• Ability to communicate effectively both verbally and in writing.
• Ability to demonstrate strong credit skills.
• Ability to demonstrate effective customer service skills.
• Ability to maintain confidentiality.
• Ability to demonstrate attention to detail, accuracy and thoroughness in work product.
• Ability to maintain focus and concentration in a fast-paced environment.
• Ability to work evenings and weekends as necessary.
• Skill in using computer and Microsoft Office, including Word, Excel and Outlook.

BASIC QUALIFICATIONS:

• Bachelor degree in related field, or commensurate work experience, required.
• Minimum of one (1) year of credit underwriting, financial analysis/management and/or lending work experience required, preferably including:
• commercial and industrial;
• owner-occupied commercial real estate;
• accounts receivable/inventory; and
• commercial and residential 'For Sale' and 'Income' properties.
• Formal commercial credit training either from a bank management training program or external provider, such as RMA or Omega, 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.