Job Purpose and Scope:
Responsible for originating new asset-based loans by identifying, cultivating, maintaining, and strengthening new business referral channels and/or directcalling prospective asset-based lending customers. Screens, structures, negotiates and closes new asset-based loans in compliance with the Bank’s loanpolicy and credit approvals.
Essential Job Functions:
1.
Executes strategic and tactical plans to manage business development productivity within assigned territories.
2.
Achieves financial, loan quality, and cross-sell targets.
3.
Identifies, prioritizes, and develops strategies for high-value retention, expansion, and acquisition of new customer relationships by deliveringknowledgeable advice and solutions.
4.
Engages relevant business and bank partners in team-based customer development with expert delivery.
5.
Leverages local market networks and centers of influence to identify, prospect, and pursue business opportunities to hit market goals.
6.
Prepares, issues, and negotiates term sheets.
7.
Prepares and presents new business screening memos.
8.
Assists and supports activities of credit underwriting and loan closing.
9.
Reviews and negotiates credit agreements and other loan documents.
10.
Engages collateral appraisal firms as directed, coordinates appraisals with customers, and reviews collateral appraisal reports.
11.
Engages field examination firms as directed, coordinates field examinations with customers, and reviews field examination reports.
12.
Ensures procurement of borrower due diligence, including all requisite Know-Your-Customer information, in preparation for loan closings.
13.
Communicates in a timely, consistent, and professional manner with the Bank’s senior management, colleagues, bank prospects and customers, otherlenders, consultants, and third-party vendors to resolve any issues that arise in the loan structuring and closing process, which includes reviewing andproviding feedback on detailed underwriting and due diligence information.
14.
Actively participates in loan committee calls/meetings, as directed.
15.
Participates in and manages special projects related to marketing and new client acquisition as delegated by senior management.
16.
Displays a high degree of integrity, trustworthiness, and professionalism at all times.
17.
Embraces Bank OZK’s core lending tenets of asset quality, profitability, and growth.
18.
Enthusiastically supports and models the Bank’s values and mission.
19.
Regularly exercises discretion and judgment in the performance of essential job functions.
20.
Maintains good punctuality and attendance to work.
21.
Follows Bank policy, procedures, and guidelines.
Knowledge, Skills & Abilities:
1.
Knowledge of general commercial and industrial lending principles and practices.
2.
Knowledge of structuring complex asset-based loans.
3.
Knowledge of collateral monitoring practices and procedures.
4.
Ability to maintain attention to detail and identify and address meaningful risk factors.
5.
Ability to multi-task while managing exacting deadlines without supervision.
6.
Ability to demonstrate a teamwork orientation with a strong work ethic, along with the ability and desire to learn quickly, contribute ideas, share bestpractices, and mange change effectively in a regulated yet dynamic environment.
7.
Ability to communicate effectively both verbally and in writing, including presentation skills.
8.
Ability to demonstrate effective analytical, logistical, organizational, and critical thinking skills.
9.
Ability to speak clearly and persuasively in positive and negative situations.
10.
Ability to lead, mentor, and train other staff
11.
Ability to travel for business purposes.
12.
Skill in using computer, Microsoft Windows, and Microsoft Office (including Word, Excel, PowerPoint, and Outlook).
