Credit Products Underwriter I - Commercial Banking at BOK Financial

Bonus Type

Summary

Join us as a Credit Product Underwriter I - Commercial. Our commitment to you is a positive work environment, a deep connection to our communities, and a focus on putting our clients first. As an industry-leading provider of sophisticated financial solutions, we believe no challenge is too big, and no opportunity is too small when we work together to build relationships.

Job Description

The Credit Products Underwriter I - Commercial is primarily responsible for underwriting complex financial transactions in conjunction with CPU III, IV or CRMs, including the financing of investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, as well as credits augmented with an SBA guarantee.  Also will be able to underwrite non-complex requests independently. In addition, the Credit Products Underwriter I is responsible for providing product and industry expertise to the client by designing and executing solutions on complex clients. 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 additional level of due diligence and analysis.  The CPU I will have multiple active credit requests from various Relationship Managers and various geographic locations and must be able to prioritize and exhibit good time management.  The CPU I will have client facing responsibilities, providing the necessary consultation to deliver the best possible integrated solution to the client.  Good 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 I time will be balanced between analysis of clients, design and execution of deals, and joint client calls with RMs to provide advice.  The Credit Products Underwriter I will partner with the RMs to assist in generating revenue and profitability.

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.

How You'll Spend Your Time

• The majority of your time will be spent conducting credit analysis to finance multiple business endeavors including; investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, as well as credits augmented with an SBA guarantee.
• Your day will consist of credit conversations, decision making, and communication with senior Credit Product Underwriters.
• You will work efficiently to get deals approved while mitigating risk.
• You will prepare commitment reports for all of the multi-state markets supported by the lending center.

Education & Experience Requirements

This level of knowledge is normally acquired through completion of a Bachelor’s degree and 2+ years of credit analysis/credit products underwriter experience; or 7+ years of equivalent work-related experience.

Working Conditions & Physical Requirements