Job Description

Job Purpose & Scope Responsible for leading the underwriting team and provides direct oversight of all residential mortgage underwriting activities. Serves as a credit authority within the mortgage division and handles the underwriting of the more complex, high-risk, mortgage loans or loans that require an exception. Essential Job Functions + Ensures the underwriting practices are aligned with investor, agency, and regulatory requirements, while also maintaining loan quality, managing workflow, and contributing to policy development. + Underwrites residential mortgage loans, including conventional, FHA, VA, USDA, and portfolio products, ensuring compliance with applicable guidelines and internal credit policy. + Manages day-to-day operations of the underwriting team, including assignment of loan files, review of work quality, productivity monitoring, and performance management. + Serves as the final decision-maker for escalated loan files and credit exceptions. + Develops and updates underwriting policies, procedures, and training materials to ensure consistency and mitigate risk. + Collaborates with processing, closing, secondary marketing, compliance, and loan officers to resolve file-level issues and improve overall workflow. + Coordinates with the quality control team to address audit findings, identify root causes, and implement corrective actions. + Monitors pipeline reports and works to ensure underwriting turn times are met across all loan products. + Participates in investor relations and audit processes as a credit subject matter expert. + Trains underwriters on new products, guideline updates, and interpretation of agency/investor policies. + Leads process improvement initiatives within the department and supports strategic mortgage objectives set by senior leadership. + Regularly exercise discretion and judgment in the performance of essential job functions. + Follows Bank policy, procedures, and guidelines. Knowledge, Skills & Abilities + Comprehensive knowledge of bank regulations related to, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT + Knowledge of general financial and banking + Ability to demonstrate strong credit + Ability to effectively manage a team and influence positive outcomes. + Ability to communicate effectively both verbally and in + Ability to work effectively and professionally with staff and management at all levels of the organization. + Ability to demonstrate effective customer service + Ability to prioritize work and manage time + Ability to maintain + Ability to demonstrate attention to detail, accuracy, and thoroughness in work + Ability to maintain focus and concentration in a fast-paced + Ability to work evenings and weekends, as + Skill in using computer and Microsoft Office, including Word, Excel, and Outlook. Basic Qualifications + Bachelor's degree in related field or commensurate work experience, required. + Minimum of five (5) years of experience in mortgage underwriting, required. + One (1) or more years in a leadership or management role, 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. #DNP 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.

Job Tags

Work experience placement, Work at office, Local area, Weekend work, Afternoon shift,

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