Consumer Underwriter II

Why Bank OZK

Founded on a legacy of more than 120 years in banking, Bank OZK is much more than just a company. We're nationally recognized as an industry leader in financial services. That means we combine exceptional service with innovative technologies to deliver smart solutions to our clients across the country. We're investing in small businesses, fueling economies in local communities and changing skylines in the largest cities across America. Here, we're not simply filling roles. We're fostering even greater careers.

The foundation for a great career starts with an exceptional team and a comprehensive benefits package. We believe in providing our dedicated team members with the best resources to support their physical, mental and financial wellbeing, including generous PTO, 401(k) matching, health, dental, vision (and pet!) insurance as well as special perks and discounts.

Job Purpose & Scope

Responsible for reviewing a full array of Consumer Loan Applications and decision in compliance with the Bank's Loan Policies and Procedures. Reviews a wide array of Consumer Loan products and handles the more complex or specialize loans.

Knowledge, Skills & Abilities

Possess knowledge of credit analysis for consumer lending. Experience with Dodd Frank Qualified Mortgage and Ability to Repay analysis.

Knowledge of accounting principles and both business and personal financial statements and tax returns.

Ability to demonstrate an understanding of consumer compliance bank regulations in addition to the Office of Foreign Asset Control, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT Act.

Knowledge of general banking principles.

Strong customer service skills.

Strong interpersonal skills.

Ability to demonstrate effective time management in meeting the Bank's efficiency standards.

Ability to maintain focus and concentration in a fast-paced environment.

Excellent communication skills (oral and written).

Skill in using computer and Microsoft Office, including Word, Excel, PowerPoint, and Outlook.

Basic Qualifications

Bachelor's degree (business or finance preferred) or commensurate work experience, required.

Three (3) years of banking, credit underwriting and or lending experience and a basic knowledge of real estate products, required.

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.