Credit Products Underwriter IV - Commercial Banking

BOK Financial Corporation Group includes BOKF, NA; BOK Financial Securities, Inc. and BOK Financial Private Wealth, Inc. BOKF, NA operates TransFund and Cavanal Hill Investment Management, Inc. BOKF, NA operates banking divisions: Bank of Albuquerque; Bank of Oklahoma; Bank of Texas and BOK Financial®.

About the role

The Credit Products Underwriter III - Commercial is primarily responsible for underwriting more complex financial transactions, including the financing of multiple business endeavors such as: investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, as well as credits augmented with an SBA guarantee. In addition, the CPU III is responsible for providing product and industry expertise to the client by designing and executing solutions for the more complex and specialized clients and transactions.

Industries and products offered are broad and require unique due diligence and analysis based on the type of business and structure. A high volume (50%+) of the credit requests are from prospects, which require an additional level of due diligence and analysis. The CPU III will have multiple active credit requests from various Relationship Managers and various geographic locations and must be able to prioritize and exhibit excellent time management.

The CPU III will have client-facing responsibilities, providing the necessary consultation to deliver the best possible integrated solution to the client. Superb communication skills (written and verbal) must be present to effectively communicate with the various Relationship Managers and other BOKF personnel. The majority of the CPU III’s time will be balanced between analysis of clients, design and execution of deals, and joint client calls with RMs to provide expert counsel and advice. The CPU III will partner with the RMs to assist in generating revenue and profitability.

Responsibilities

• Conduct complex credit analysis to finance multiple business endeavors including investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, and credits augmented with an SBA guarantee.
• Engage in credit conversations, decision-making, and communication with credit leadership and Relationship Managers.
• Work efficiently to get deals approved while mitigating risk.
• Prepare commitment reports for all multi-state markets supported by the lending center.
• Provide client-facing consultation to deliver the best possible integrated solution to the client.
• Mentor and train junior underwriters.

Team Culture

We are a collaborative, conscientious, and goal-oriented team. We value initiative, and we care about the quality of our work. Managers across the line of business are readily available and accessible for any needs you may have. You are responsible for driving the process, and our leaders are there to support you. Mentorship within the team is a common practice that will provide opportunities for growth.

Requirements

• Bachelor’s degree.
• 8+ years of credit analysis/credit products underwriter experience; or 14+ years of equivalent work-related experience.

Working Conditions & Physical Requirements

• Office environment.
• Occasional travel.

Benefits

BOK Financial Corporation Group is a stable and financially strong organization that provides excellent training and development to support building the long-term careers of employees.