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Alpharetta

    VP Credit Manager - Alpharetta, United States - Bank OZK

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    Description

    Basic Qualifications:

    • Bachelor's degree (Business or Finance preferred) or commensurate work experience required.
    • Minimum of five (5) years of consumer credit underwriting work experience required.
    • Minimum of two (2) years of leadership experience preferred.

    Job Purpose and Scope:

    Responsible for leading a team that processes, underwrites, and approves loan requests in compliance with the Bank's credit policies and procedures.


    Essential Job Functions:

    • Manages, coaches, and provides training to consumer loan processors/underwriters to ensure Bank's credit policies, procedures and standards are met.
    • Monitors assigned loan application queue to ensure loans are handled in a timely manner to meet department's service level standards and regulatory requirements.
    • Communicates effectively (with internal/external customers and Management) concerning approved and declined consumer loans.
    • May perform secondary review on loan applications decisioned with a "Decline" or "Counteroffer" to ensure credit decisions are made according to loan policy, the file is documented correctly, and the adverse action letter is accurate and according to regulatory requirements.
    • Approves loans requiring higher lending authority.
    • Provides guidance to underwriters and directly underwrites the more complex loan requests according to Bank's policies and procedures.
    • Works to ensure production standards are met by the consumer underwriting team.
    • May develop new procedures and processes to enhance workflow and ensure Bank's policies are met.
    • Performs in accordance with the Bank's efficiency standards.
    • Ensures compliance with all laws and regulations as they apply to consumer lending.
    • Maintains the privacy and confidentiality of the information obtained in the underwriting and lending process.
    • Performs special projects and tasks as required by the department.
    • Maintains good punctuality and attendance to work.
    • Follows Bank policy, procedures and guidelines.

    Knowledge, Skills & Abilities:

    • Knowledge of consumer loan products and credit analysis for consumer lending.
    • Knowledge of accounting principles and business and personal financial statements and tax returns.
    • Knowledge 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.
    • 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 effectively and professionally with staff and management at all levels of the organization.
    • Ability to maintain attention to detail.
    • Ability to demonstrate effective time management skills.
    • Skill in using computer and Microsoft Office, including Word, Excel, PowerPoint and Outlook.
    • Ability to communicate effectively both verbally and in writing with internal and external clients.
    • Ability to demonstrate effective customer service skills.
    • Ability to work effectively in a team environment and help others when needed.
    • Ability to demonstrate effective management and interpersonal skills.
    • Ability to maintain confidentiality.
    • Ability to work without close supervision.
    • Ability to look for ways to improve and promote quality.
    • Ability to work extended hours.

    Equipment Used in Job Performance/Working Environment:

    • Computer
    • Telephone
    • Multi-function device

    Major Job Demands (Physical/Mental):

    • Decision-making
    • Problem-solving

    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.

    #DNP


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