Consumer Loan Specialist I (Non-Real Estate)

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. Learn more about Bank OZK benefits () .

Job Purpose & Scope

As the primary point of contact in the consumer loan process, the Consumer Loan Specialist is responsible for educating the applicants(s) on the Bank's loan products and ensuring a complete and compliant loan application. The Consumer Loan Specialist gathers all necessary supporting loan documentation essential for the credit decision and orders the services related to securing the collateral.

Essential Job Functions

Consult with applicants about their current and future needs and goals to determine the optimal product path, including discussing loan terms, rates, fees and other costs. Maintain contact with the applicants throughout the various loan stages. Provide regulatory disclosures as required.

Effectively communicate with bankers, underwriters and documentation specialists.

Perform a general evaluation of assigned loan applications (financial documents, pricing and structure, etc.).

Gather all important data and documentation from applicant, ensuring completeness and compliance with current banking regulations and policies.

Order collateral services as required by product (Inspections, Valuation, Purchase Agreements, UCC, Title, etc.).

Manage the timeline of the loan process to ensure on time closings to meet the applicant's needs and expectations. Coordinate the closing location.

Actively monitor CFG Servicing Maturing Loan Reports, and submit renewal applications for maturing CD-Secured loans / PLOCs.

Knowledge, Skills & Abilities

Knowledge of Non-real estate consumer loan products and regulations.

Ability to communicate effective both verbally and in writing.

Ability to demonstrate initiative to accomplish work objectives.

Ability to work effectively and demonstrate flexibility in a continually changing environment.

Ability to demonstrate effective organization, critical thinking, analytical and problem-solving skills.

Ability to manage multiple tasks with exacting deadlines in a fast-paced environment.

Ability to work without close supervision.

Ability to maintain attention to detail.

Ability to work effectively in a team environment.

Ability to work extended hours.

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

Basic Qualifications

High school diploma or equivalent required.

Minimum of one (1) year of customer service or call center experience, required.

Minimum of one (1) year of work experience in the consumer loan origination process, required.

Job Expectations

Job Expectations : O perate 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.