Pay is based on a number of factors including the successful candidate’s job-related knowledge and skills, qualifications, and prior experience. Arvest offers a comprehensive suite of benefits, including health and life, financial, and wellness benefits. For more information about benefits, please visit www.arvest.com/careers/benefits.
Incumbent should be located anywhere within the Arvest 4 State Footprint (AR, KS, MO, OK).
Position requires availability to work Monday through Friday 8:00 AM to 5:00 PM with additional hours as needed.
SUMMARY
Under the guidance and direction of the assigned manager or supervisor, the ACC Underwriter evaluates and underwrites credit card requests submitted through the credit card origination system and via paper-based credit card applications. The ACC Underwriter approves or declines credit card requests based on current policy and guidelines. The incumbent works with customers, Arvest Bank, lenders and agent bank contacts to decision requests within the established credit criteria. The ACC Underwriter documents and escalates exceptions to the assigned manager. The ACC Underwriter reviews and evaluates reissuing credit cards, credit line increase requests and provides problem resolution to customers and associates regarding their credit card inquiries.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Using established underwriting guidelines, policies and procedures, make credit decisions regarding credit card applications. Prepare proposals to support approval recommendations for requests in excess of assigned lending authority. Maintain thorough knowledge and understanding of credit card products and services at a detailed level to serve as subject matter expert for bank associates and customers. Ensure accurate and consistent decisions based on underwriting guidelines, policies and procedures while achieving defined Service Level Agreement (SLA) for application processing. Review and evaluate reissuing credit card accounts that have been closed or have not met reissue criteria. Review and evaluate credit card line increase applications and approve line increases when applicants meet acceptable criteria. Provide problem resolution to customers and bank associates regarding credit card financial questions. Provide accurate and timely responses to emails, telephone calls and voice mail messages, consulting Credit Card Senior Underwriter or ACC Credit Manager as needed. Understand and comply with bank policy, laws, regulations, and the bank\'s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.
TEAM ACCOUNTABILITIES
Support and uphold the Arvest Mission Statement. Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded. Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service. Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation. Promote professionalism at all times.
QUALIFICATION REQUIREMENTS
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. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
Associate’s Degree or equivalent experience required. Degree concentration in business, accounting, finance, economics, or mathematics preferred. 2 years of experience in consumer lending/credit underwriting or Bachelor’s degree required. Degree concentration in business, accounting, finance, economics, or mathematics preferred. Experience in credit card or bank operations preferred. Technical knowledge of State and Federal Laws and regulations pertaining to open-ended lending preferred. Arvest experience preferred.
OTHER SKILLS AND ABILITIES
Must be able to arrive at work on time, work on site and have regular work attendance Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style Must be able to provide cordial customer service regardless of customer personality, presence or communication style Must be able to perform several tasks at once Must be able to work in a stressful atmosphere Must be able to rotate job tasks Must be able to greet others cordially Must be able to coordinate multiple and changing priorities Must be able to verbally communicate with all other associates Must be able to operate telephone, scanner, copier and FAX machines Must be able to occasionally work outside of normal business hours. Must be able to move from department, division, or bank to department, division, or bank to attend meetings Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch. The associate may occasionally be required to lift or move up to 25 pounds. The incumbent must be able to occasionally travel independently within the US, including overnight, and via automobile and air. Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an associate may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Grade 13 Pay Range: $46685 - $58355 per year
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Under the guidance and direction of the assigned manager or supervisor, the ACC Underwriter evaluates and underwrites credit card requests submitted through the credit card origination system and via paper-based credit card applications. The ACC Underwriter approves or declines credit card requests based on current policy and guidelines. The incumbent works with customers, Arvest Bank, lenders and agent bank contacts to decision requests within the established credit criteria. The ACC Underwriter documents and escalates exceptions to the assigned manager. The ACC Underwriter reviews and evaluates reissuing credit cards, credit line increase requests and provides problem resolution to customers and associates regarding their credit card inquiries.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Using established underwriting guidelines, policies and procedures, make credit decisions regarding credit card applications. Prepare proposals to support approval recommendations for requests in excess of assigned lending authority. Maintain thorough knowledge and understanding of credit card products and services at a detailed level to serve as subject matter expert for bank associates and customers. Ensure accurate and consistent decisions based on underwriting guidelines, policies and procedures while achieving defined Service Level Agreement (SLA) for application processing. Review and evaluate reissuing credit card accounts that have been closed or have not met reissue criteria. Review and evaluate credit card line increase applications and approve line increases when applicants meet acceptable criteria. Provide problem resolution to customers and bank associates regarding credit card financial questions. Provide accurate and timely responses to emails, telephone calls and voice mail messages, consulting Credit Card Senior Underwriter or ACC Credit Manager as needed. Understand and comply with bank policy, laws, regulations, and the bank\'s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.
TEAM ACCOUNTABILITIES
Support and uphold the Arvest Mission Statement. Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded. Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service. Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation. Promote professionalism at all times.
QUALIFICATION REQUIREMENTS
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. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
Associate’s Degree or equivalent experience required. Degree concentration in business, accounting, finance, economics, or mathematics preferred. 2 years of experience in consumer lending/credit underwriting or Bachelor’s degree required. Degree concentration in business, accounting, finance, economics, or mathematics preferred. Experience in credit card or bank operations preferred. Technical knowledge of State and Federal Laws and regulations pertaining to open-ended lending preferred. Arvest experience preferred.
OTHER SKILLS AND ABILITIES
Must be able to arrive at work on time, work on site and have regular work attendance Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style Must be able to provide cordial customer service regardless of customer personality, presence or communication style Must be able to perform several tasks at once Must be able to work in a stressful atmosphere Must be able to rotate job tasks Must be able to greet others cordially Must be able to coordinate multiple and changing priorities Must be able to verbally communicate with all other associates Must be able to operate telephone, scanner, copier and FAX machines Must be able to occasionally work outside of normal business hours. Must be able to move from department, division, or bank to department, division, or bank to attend meetings Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch. The associate may occasionally be required to lift or move up to 25 pounds. The incumbent must be able to occasionally travel independently within the US, including overnight, and via automobile and air. Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an associate may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Grade 13 Pay Range: $46685 - $58355 per year
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