Consumer Lending Specialist

3 weeks ago


Alpharetta, United States Bank OZK Full time

Job Purpose & Scope

As a Consumer Underwriter II at Bank OZK, you will be responsible for reviewing a wide range of consumer loan applications and making decisions in compliance with the bank's loan policies and procedures.

Essential Job Functions

  • Underwrite various consumer loan products, including non-real estate loans, residential portfolio mortgages, construction loans, and HELOCs, in accordance with the bank's policies, procedures, and standards.
  • Perform ability-to-repay analysis when applicable.
  • Conduct appraisal and other valuation reviews.
  • Effectively communicate with lenders, documentation specialists, and management regarding approved and declined consumer loans.
  • Maintain the bank's efficiency standards.
  • Ensure compliance with all laws and regulations applicable to consumer lending.
  • Maintain the privacy and confidentiality of information obtained during the underwriting and lending process.
  • Administer and maintain systems, databases, logs, and files used in consumer underwriting.
  • Perform special projects and tasks as required by the department.
  • Display a high degree of integrity, trustworthiness, professionalism, flexibility, and adaptability.
  • Follow bank policies, procedures, and guidelines to protect clients, employees, and bank assets.

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 business and personal financial statements and tax returns.
  • Ability to demonstrate an understanding of consumer compliance bank regulations, including 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.

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.



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