Job Purpose & ScopeDevelop and manage priority market relationships consisting of highly complex and strategically important Community Banking relationships. The role applies expert knowledge, operates as a senior market and credit resource, and is accountable for profitable relationship growth, portfolio quality, and coaching experienced bankers.
Essential Job Functions- Develop and execute relationship strategies for highly complex and strategically important customers and prospects within priority market relationships.
- Prepare complete and timely relationship and credit information, including financial analysis, opportunity memos, structure loans, pricing rationale, and required documentation.
- Analyze, structure, negotiate, and recommend highly complex and strategically important credit opportunities as a senior market and credit resource; identify material risks, repayment sources, and appropriate mitigants.
- Drive core deposit growth and expansion of Merchant Services, Treasury Management, and Trust and Wealth relationships through disciplined calling, needs discovery, qualified referrals, and coordinated follow-through.
- Manage relationship profitability through appropriate structure, pricing, deposit growth, fee income, retention, and coordinated delivery of Bank solutions.
- Monitor portfolio performance, covenants, past dues, exceptions, maturities, deposit trends, concentrations, referral activity, and emerging risks; take or recommend timely action.
- Maintain accurate customer, pipeline, calling, referral, and Lead Banker relationship information in goZK.
- Shape market priorities and advise on elevated-risk matters.
- Represent the Bank professionally with customers, prospects, internal partners, and centers of influence.
Knowledge, Skills & Abilities- Expert knowledge of Community Banking products, commercial credit, loan structuring, pricing, portfolio risk, core deposits, Merchant Services, Treasury Management, and Trust and Wealth solutions.
- Ability to evaluate financial performance, cash flow, collateral, guarantor strength, repayment capacity, industry conditions, pricing, and relationship profitability for highly complex and strategically important relationships.
- Ability to exercise judgment as a senior market and credit resource and clearly communicate credit, risk, and return considerations.
- Ability to identify, develop, and retain profitable opportunities across priority market relationships, including core deposits and fee-based relationships.
- Ability to manage portfolio risk and issue escalation at the level expected for highly complex and strategically important relationships.
- Ability to provide coaching experienced bankers and coordinate effectively across business and operational partners.
- Skill in using computer and Microsoft Office applications and other software necessary to perform essential job functions.
Basic Qualifications- Bachelor's degree in finance, accounting, business, economics, or a related field required, or completion of a recognized banking school or direct relevant commercial banking experience in lieu of degree.
- Seven (7) or more years of progressively responsible commercial banking experience, including demonstrated experience managing highly complex and strategically important credit and full-service relationships, required.
- Track record of core deposit growth and successful expansion or referral of Merchant Services, Treasury Management, and Trust and Wealth relationships required.
- NMLS registration, or successful completion of the NMLS process within 30 days of hire, required.
Job ExpectationsOperate customary equipment and technology used in a business environment, with or without accommodation.
Notes: 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.
This position is not eligible for employer-sponsored work authorization or immigration assistance. Applicants must be able to maintain authorization to work in the United States without current or future sponsorship by Bank OZK.
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