VP, Relationship Manager, Asset-Based Lending Group

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 overseeing clients within the Asset-Based Lending Group (ABLG) loan portfolio and assisting with the underwriting of new ABLG transactions.

Essential Job Functions

• Manages and serves as primary contact for 4-6 assigned ABLG borrower relationships with varying degree of complexity and consistently promote positive relationships and interactions for all assigned borrowers.

• Ensures thorough servicing of ABLG loan portfolio in conjunction other Relationship Managers and ABLG Portfolio Manager in compliance with the Bank’s loan policy including, but not limited to, managing, directing, and reviewing execution of a number of functions, including:

• On-boards new ABLG loans;

• Prepares loan modification and/or amendment requests when required;

• Processes recurring loan advances;

• Monitors borrower compliance with loan documents, collateral reporting and performance requirements, and financial performance requirements;

• Monitors borrower/guarantor financial conditions and compliance with loan and guaranty covenants;

• Oversees debt service payment calculation, billing, and collection;

• Oversees loan pay-off and release of collateral;

• Assists with the resolution of loan administration issues, including follow up on exception items, post-closing items, and loan billing; and

• Assists with management of troubled loans.

• Assists with underwriting of new ABLG transactions, including but not limited to:

• Analyzes financial and collateral performance;

• Prepares new credit request memos;

• Assists with credit request presentation to senior management and/or Bank’s loan committee for approval;

• Assists with loan and collateral legal negotiations required; and

• Assists with coordination of legal document execution required between the Bank, Bank’s counsel, and the borrowers.

• Monitors risk within the ABLG loan portfolio to ensure potential challenges are identified on a timely basis and communicated internally and externally for timely resolution and proper risk mitigation.

• 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 and experience in asset-based lending, transactions, and documentation.

• Knowledge of financial concepts to analyze complex industry, economic, and financial data and ability to interpret results and present findings.

• Ability to analyze and monitor performance of collateral.

• Ability to demonstrate effective analytical, logistical, organizational, and critical thinking skills.

• Ability to communicate effectively with a variety of audiences and articulate the strengths, weaknesses, and issues related to a transaction, in both written and oral presentations.

• Ability to multi-task and work well with exacting deadlines.

• Ability to work under general supervision.

• Ability to travel for business purposes.

• Skill in using computer, Microsoft Windows, Microsoft Office (including Word, Excel, PowerPoint, and Outlook), and Solifi/Stucky.

Basic Qualifications

• Bachelor’s degree in finance, accounting, economics, business, or job-related field, or commensurate work experience, required.

• 4+ years of experience as a commercial lender or banker (preferably with regional or national banks), required.

• Previous experience in relationship management and/or underwriting within asset-based lending, corporate and commercial banking, leveraged and/or structed finance, private equity, turnaround consulting, or mergers and acquisition consulting industries, 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.