Bank OZK
Commercial Credit Underwriter III
Responsible for supporting lending efforts by underwriting new and renewed loans. Works with loan types including corporate, commercial and industrial, and commercial real estate transactions. Underwrites transactions up to $30MM and performs annual reviews, financial statement analysis, and global debt service calculations.
Essential Job Functions
Underwrites business banking and commercial department loan requests with total credit exposure (TCE) up to $30MM.
Performs annual reviews, financial spreads and global debt service calculations.
Ensures loan requests are underwritten consistently and in accordance with the Bank’s credit policies, procedures and standards.
Manages assigned credit transactions, ensuring the loan requests are handled efficiently and processed in a timely manner, consistent with the Bank’s standards.
Communicates with lenders, credit officers and management regarding specifics concerning approved and declined loans.
Tracks, monitors, and reports activity on loan applications and decisions, including maintaining a record of loan applications received and booked.
Maintains the independence of the underwriting function and the recommendation of the initial credit risk rating.
Regularly exercises discretion and judgment in the performance of essential job functions.
Maintains good punctuality and attendance to work.
Follows Bank policy, procedures and guidelines.
Knowledge, Skills & Abilities
Knowledge of general financial and banking principles.
Knowledge of bank regulations related to OFAC, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT Act.
Ability to communicate effectively both verbally and in writing.
Ability to demonstrate strong credit skills.
Ability to demonstrate effective customer service skills.
Ability to maintain confidentiality.
Attention to detail, accuracy and thoroughness in work product.
Ability to maintain focus and concentration in a fast‑paced environment.
Availability to work evenings and weekends as necessary.
Skill in using computers and Microsoft Office, including Word, Excel and Outlook.
Basic Qualifications
Bachelor’s degree in a related field, or commensurate work experience, required.
Minimum of one (1) year of credit underwriting, financial analysis/management and/or lending work experience required, preferably including:
Commercial and industrial;
Owner‑occupied commercial real estate;
Accounts receivable/inventory; and
Commercial and residential ‘For Sale’ and ‘Income’ properties.
Formal commercial credit training from a bank management training program or external provider (e.g., RMA or Omega) preferred.
Job Expectations Operate customary equipment and technology used in a business environment, with or without accommodation.
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.
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Essential Job Functions
Underwrites business banking and commercial department loan requests with total credit exposure (TCE) up to $30MM.
Performs annual reviews, financial spreads and global debt service calculations.
Ensures loan requests are underwritten consistently and in accordance with the Bank’s credit policies, procedures and standards.
Manages assigned credit transactions, ensuring the loan requests are handled efficiently and processed in a timely manner, consistent with the Bank’s standards.
Communicates with lenders, credit officers and management regarding specifics concerning approved and declined loans.
Tracks, monitors, and reports activity on loan applications and decisions, including maintaining a record of loan applications received and booked.
Maintains the independence of the underwriting function and the recommendation of the initial credit risk rating.
Regularly exercises discretion and judgment in the performance of essential job functions.
Maintains good punctuality and attendance to work.
Follows Bank policy, procedures and guidelines.
Knowledge, Skills & Abilities
Knowledge of general financial and banking principles.
Knowledge of bank regulations related to OFAC, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT Act.
Ability to communicate effectively both verbally and in writing.
Ability to demonstrate strong credit skills.
Ability to demonstrate effective customer service skills.
Ability to maintain confidentiality.
Attention to detail, accuracy and thoroughness in work product.
Ability to maintain focus and concentration in a fast‑paced environment.
Availability to work evenings and weekends as necessary.
Skill in using computers and Microsoft Office, including Word, Excel and Outlook.
Basic Qualifications
Bachelor’s degree in a related field, or commensurate work experience, required.
Minimum of one (1) year of credit underwriting, financial analysis/management and/or lending work experience required, preferably including:
Commercial and industrial;
Owner‑occupied commercial real estate;
Accounts receivable/inventory; and
Commercial and residential ‘For Sale’ and ‘Income’ properties.
Formal commercial credit training from a bank management training program or external provider (e.g., RMA or Omega) preferred.
Job Expectations Operate customary equipment and technology used in a business environment, with or without accommodation.
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.
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