"Alerted.org

Job Purpose & Scope

Responsible for supporting lending efforts by underwriting new and renewed loans. Works with loan types including corporate, commercial and industrial, and commercial real estate transactions. Participates in the underwriting of small business banking transactions with a moderate level of complexity (generally carry total bank commitments “TCE” of less than $1MM). Completes annual reviews, performs financial statement analysis and completes global debt service calculations, as directed.

Essential Job Functions

+ Underwrites basic business banking and commercial department loan requests with total credit exposure (TCE) not to exceed $1MM.

+ Performs annual reviews, financial spreads and global debt service calculations, as necessary.

+ 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.

+ Under supervision, communicates with lenders, credit officers and management regarding specifics concerning approved and declined loans, when merited.

+ 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 principles.

+ Ability and desire to learn 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 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 or commensurate work experience required.

+ Minimum of one (1) year of credit underwriting and/or financial analysis work experience preferred

Job Expectations

Job Expectations: O perate 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.

EEO Statement

Bank OZK is an equal opportunity employer and give 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.