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 Performs independent analysis of corporate and personal financial statements and tax returns and interprets viability of the sources of repayment. Reviews loans to evaluate the strength of underwriting and asset management practices. Reviews loans to assess credit quality and the accuracy of the assigned risk ratings; recommends appropriate risk ratings based on findings. Assesses business line adherence to credit policy and procedures. Discusses review findings with the Reviewer-In-Charge and makes recommendations. Ensures asset quality reports and supporting documentation are comprehensive, complete, and supportive of findings and conclusions. Embraces a culture of continuous process improvement and supports the Credit Risk Review Department’s professional practice and quality control standards. Regularly exercises discretion and judgment in the performance of essential job functions. Maintains good punctuality and attendance to work. Follows Bank policy, procedure, and guidelines. Knowledge, Skills & Abilities Knowledge of loan documentation, credit, and financial statement analysis. Knowledge of and exposure to basic principles of auditing. Ability to review and analyze small to midsize loans of little to moderate complexity. Ability to communicate effectively both verbally and in writing. Ability to work effectively both independently and with others. Ability and desire to learn continuously on-the-job. Ability to manage multiple tasks with exacting deadlines in a fast-paced environment. Ability to maintain confidentiality. Ability to demonstrate effective organization, critical thinking, analytical, and problem-solving skills. Ability to work effectively and demonstrate flexibility in a continually changing environment. Ability to demonstrate attention to detail. Ability to work without close supervision. Skill in using computer and Microsoft Outlook, including Excel and Word, and ability to acquire other computer skills as needed. Basic Qualifications Bachelor’s degree or commensurate work experience, required. Minimum of three (3) years commercial lending experience, required. Minimum of two (2) years commercial credit experience in regional bank, preferred. 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 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.