"Alerted.org

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 (https://careers.ozk.com/benefits) .

Job Purpose & Scope

Responsible for oversight of business processes related to non-real estate consumer lending, including exception tracking, process improvement measures, and regulatory compliance. Ensures underwriting decisions align with internal policy, operation standards, and consumer protection regulations while providing analysis and reporting to management. Monitors operational risk management program and recommends or implements updates with management.

Essential Job Functions

+ Reviews non-real estate consumer underwriting transactions to ensure accuracy, completeness, and compliance with regulatory requirements.

+ Assists management in recording trends and identifying gaps in the end-to-end process.

+ Performs operational risk management duties, including testing, assisting in documenting process flows and updating procedures as necessary.

+ Monitors for potential risks and escalates risk or fraud concerns promptly.

+ Supports process improvement initiatives to strengthen efficiency.

+ Performs other duties as assigned.

Knowledge, Skills & Abilities

+ Comprehensive knowledge of consumer lending regulations, including but not limited to: FCRA, Regulation Z, ECOA, UDAP/UDAAP, BSA and AML.

+ General knowledge of auditing standards and procedures.

+ General knowledge of operational risk frameworks and process improvement methodologies.

+ Strong verbal and written communication skills with the ability to collaborate effectively across teams.

+ Ability to exercise discretion and sound judgment in decision making and maintain confidentiality.

+ Ability to work independently with minimal supervision.

+ Ability to manage multiple priorities and demonstrate flexibility in a continually changing environment.

+ Strong analytical, organizational, and problem-solving skills with attention to detail.

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

Basic Qualifications

+ Bachelor’s degree in Business, Finance, Accounting or related field, or commensurate work experience, required.

+ 4+ years of experience in consumer lending, underwriting, credit analysis, or related banking function required.

+ 2+ years of work experience in the financial services

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.

LI-FO1

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.