Credit Analyst

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 across the Corporate & Institutional Banking (“CIB”) group by underwriting new and renewed loans, modifications, annual/quarterly reviews, financial spreads, risk ratings and like financial analysis. Underwrites CIB transactions with varying degree of complexity and attention to detail.

Essential Job Functions

• Provides financial analysis, analytical, and underwriting support to business lines within the CIB.

• 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 and Service Level Agreements.

• Communicates with lenders, credit officers, and management at all levels of the organization 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.

• Comprehensive 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 effective both verbally and in writing.

• Ability to work effectively and professionally with staff and management at all levels of the organization.

• Ability to demonstrate effective customer service skills.

• Ability to demonstrate strong credit skills.

• Ability to prioritize work and manage time effectively in a fast-paced environment.

• Ability to maintain confidentiality.

• Ability to demonstrate attention to detail, accuracy, and thoroughness in work product.

• 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 business, finance, accounting, or other job-related field, or commensurate work experience, required.

• Prior work experience (to include internships) within banking, finance, and/or accounting, 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-FO1

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.