Credit Analyst

About the job
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

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.

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.