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 IV - Commercial is primarily responsible for managing and developing a team of underwriters focused on underwriting 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.

The CPU IV provides product and industry expertise to clients by designing and executing solutions for the most 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 credit requests are from prospects and require an additional level of due diligence and analysis.

The CPU IV will typically support a specific market or markets of 10+ Relationship Managers (RMs) and RM Managers, with client-facing responsibilities to deliver the best possible integrated solution. Superb communication skills (written and verbal) are required to effectively communicate with RM Management, Relationship Managers, Credit Team, and other BOKF personnel.

The majority of the CPU IV’s time will be balanced between managing and developing underwriters; decisioning loans within their assigned loan authority; managing Work In Process; providing analysis of clients; designing and executing deals; and joint client calls with RMs to provide expert counsel and advice. The CPU IV will partner with RMs and RM Managers to assist in generating revenue and profitability.

Responsibilities

• Manage and develop a team of underwriters conducting complex credit analysis for financing multiple business endeavors, including investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, and SBA-guaranteed credits.
• Decision loans within assigned loan authority while mitigating risk.
• Prepare very complex commitment reports for critical client accounts in multi-state markets.
• Provide client-facing consultation to deliver integrated solutions.
• Interact with Credit Risk Managers, Credit Concurrence Officers, and Line of Business Leadership to lead loan presentations and support conclusions.
• Manage workflow and communicate effectively with Relationship Managers.

Team Culture

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

Requirements

• Completion of a Bachelor’s degree and 15+ years of credit analysis/credit products underwriter and/or “business line” experience; or 20+ years of equivalent work-related experience.
• Superb written and verbal communication skills.
• Ability to manage and develop a team of underwriters.
• Client-facing responsibilities requiring expert consultation.

Working Conditions & Physical Requirements

• Office environment.
• Occasional travel.