Consumer Underwriter

We're committed to bringing passion and customer focus to the business.

The Consumer Underwriter analyzes, evaluates, and approves/denies consumer credit applications in accordance with regulatory guidelines and Simmons Bank consumer lending policy and procedures.

Essential Duties and Responsibilities

• Responsible for analyzing, evaluating, and approving consumer credit applications
• Inputs credit information into the bank's loan origination system for analysis and evaluation
• Reviews and verifies supporting documentation provided by the lender/banker to ensure all necessary information is included to evaluate for approval; request additional information as needed
• Verifies employment and stated income on loan application
• Calculates debt to income and loan to value ratios (if applicable)
• Communicates with lenders/bankers regarding credit decisions and loan information making sure all decisions are well documented in the loan origination platform
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures.
• Completion of required compliance training.
• Performs other duties and responsibilities as assigned.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• Skills

• Ability to read and comprehend simple instructions, short correspondence, and memorandums.
• Ability to read, analyze and interpret financial reports and/or legal documents.
• Ability to write routine reports and business correspondence.
• Ability to respond in writing to customer complaints, regulatory agencies or members of the business community.

• Education and/or Experience

• High school diploma or its equivalent is required, and
• 4-6 years of work-related experience, on-the-job training, and/or vocational training.

• Computer Skills
  • MS Office programs
  • Jack Henry Platform

• Certificates, Licenses, Registrations
  • None

• Other Qualifications (including physical requirements)

• Knowledge of the credit requirements and features of consumer loan products offered by the bank.

Other

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties, and responsibilities may change at any time with or without notice.

Skills Training:

• Communication, Time Management, Customer Service, Critical Thinking, Problem Solving, Detail Oriented

Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.