Job Purpose & Scope Responsible for planning and leading projects that analyze loan portfolio segments and evaluates the quality of credit approval decisions with a focus on identifying the strength of loan underwriting, loan structuring, loan monitoring, risk rating accuracy, and workout and recovery plans. Essential Job Functions Functions as a Reviewer-In-Charge (RIC). Leads pre-review discovery and planning meetings with credit risk and line management, manages the fieldwork phase, rolls up loan transaction results, identifies reportable risk issues, and presents findings and conclusions at management exit meetings. Manages a pipeline of loans that are generally the most complex and technical loan transactions. Performs continuous monitoring of assigned loan portfolios or portfolio segments. Performs quality assurance work on beginner and intermediate level credit risk reviews. Evaluates credit delivery infrastructure supporting credit decisions and ongoing portfolio management. Completes special projects and research as assigned. Embraces a culture of continuous improvement and supports the team’s professional practice and quality control standards. Regularly exercise discretion and judgment in the performance of essential job functions. Maintain good punctuality and attendance to work. Follow Bank policy, procedure, and guidelines. Knowledge, Skills & Abilities Advanced knowledge of loan documentation, credit fundamentals, and financial statement analysis. Knowledge of commercial lending and capital market products. Strong knowledge of commercial loan origination, underwriting, servicing, and monitoring practices and procedures. Exceptional knowledge and understanding of federal banking regulations related to lending and risk management. Knowledge of and exposure to basic principles of auditing. Ability to communicate effectively both verbally and in writing. Strong analytical and technical competences. Ability to effectively analyze problematic and complex commercial real estate and commercial & industrial loan transactions. Ability to work collaboratively with others. Strong ability to influence and persuade others to achieve goals. 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 without supervision. Ability and desire to continuously learn. Skill in using computer and Microsoft Office, including Outlook, Excel, and Word; ability to acquire other computer skills as needed. Basic Qualifications Bachelor’s degree, or commensurate work experience, required. 10+ years of commercial lending work experience, required. 2+ years of Commercial Credit Risk Review, or commensurate Bank Examiner work experience, required. Commercial Credit Officer experience, preferred. Workout & Recovery Officer (Special Assets) experience, 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.