Commercial Credit Risk Review Officer II

2 months ago

Little Rock, United States Bank OZK Full time

Job Purpose & Scope:

Responsible for assessing the quality of loan relationships and the quality of internal routines and controls designed to identify, measure, monitor and control credit risk.

Essential Job Functions:
  1. Reviews loans to evaluate the strength of underwriting and asset management practices and recommends actions to remediate identified weaknesses.
  2. Reviews loans to assess credit quality and the accuracy of the assigned risk ratings; recommends appropriate risk ratings based on findings.
  3. Assesses business line adherence to credit policy and procedures and regulatory guidelines, laws, and regulations.
  4. Identifies key risk issues and recommends action plans to remediate concerns.
  5. Documents loan level findings and conclusions on asset quality reports.
  6. Discusses loan level concerns with originators, underwriters, and other business line personnel.
  7. Ensures asset quality reports and supporting documentation are comprehensive, complete, and supportive of findings and conclusions.
  8. Embraces a culture of continuous process improvement and supports the Credit Risk Review Departments professional practice and quality control standards.
  9. Acts as a reviewer-in-charge of business line and loan product evaluations, as needed.
  10. Regularly exercises discretion and judgment in the performance of essential job functions.
  11. Maintains good punctuality and attendance to work.
  12. Follows Bank policy, procedure, and guidelines.
Knowledge, Skills & Abilities:
  1. Knowledge of loan documentation, credit, and financial statement analysis.
  2. Knowledge of and exposure to basic principles of auditing.
  3. Knowledge and understanding of federal banking regulations.
  4. Knowledge of the fundamentals of commercial credit origination, underwriting, servicing, and monitoring.
  5. Ability to review and analyze mid to large size loans of little to moderate complexity.
  6. Ability to communicate effectively both verbally and in writing.
  7. Ability to work effectively both independently and with others.
  8. Ability and desire to continuously learn on-the-job.
  9. Ability to manage multiple tasks with exacting deadlines in a fast-paced environment.
  10. Ability to maintain confidentiality.
  11. Ability to demonstrate effective organization, critical thinking, analytical, and problem-solving skills.
  12. Ability to work effectively and demonstrate flexibility in a continually changing environment.
  13. Ability to demonstrate attention to detail.
  14. Ability to work without close supervision.
  15. Skill in using computer and Microsoft Office, including Outlook, Excel, and Word, and ability to acquire other computer skills as needed.
Basic Qualifications:

  1. Bachelors degree, or commensurate work experience, required.

  2. 5+ years of commercial lending experience, required.

  3. 1+ years of Commercial Credit Risk Review, or commensurate Bank Examiner experience, required.

  4. Commercial Credit Underwriter experience, preferred.

  5. Workout & Recovery Officer (Special Assets) experience, preferred.

  6. RMA Credit Risk Certification (CRC), 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 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.

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