Credit Products Underwriter II - Commercial Banking
About The Position
The Credit Products Underwriter II - Commercial is primarily responsible for underwriting complex financial transactions, including the financing of investment real estate, owner-occupied real estate, working capital, equipment, and LBOs/acquisitions, healthcare-related opportunities as well as credits augmented with an SBA guarantee. In addition, the CPU II is responsible for providing product and industry expertise to the client by designing and executing solutions for complex clients and transactions. Industries and Product 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 II will have multiple active credit requests from various Relationship Managers and various geographic locations and must be able to prioritize and exhibit strong time management. The CPU II 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 CPUs 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 II will partner with the RMs to assist in generating revenue and profitability.
Requirements
- Bachelor’s degree and 5-7 years credit analysis/credit products underwriter experience; or 13-15 years of equivalent work related experience.
- Strong time management skills.
- Good communication skills (written and verbal).
Nice To Haves
- Product and industry expertise.
- Experience with financing investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, and SBA guaranteed credits.
- Experience with a high volume of credit requests from prospects.
- Ability to prioritize multiple active credit requests from various Relationship Managers and geographic locations.
Responsibilities
- Independently prepare complex credit analysis on commercial transactions, which impact profits for the lending division.
- Interact with credit approval officers, credit risk managers, and credit concurrence officers and participate in loan presentations to provide additional information and/or to support conclusions reached in analysis.
- Serve as an accomplished resource regarding credit/industry analysis.
- Participate in joint calling on prospects and clients with the Relationship Managers to gather key information for proper credit analysis and to craft and deliver core and complex business deals for clients.
- Write all commitment reports for specified loans and present salient credit information to the line of business and credit approvers.
- Ensure Relationship Managers are aware of non-compliance issues through constant communication.
- Prepare quarterly covenant compliance testing.
Benefits
- Positive work environment
- Deep connection to our communities
- Focus on putting our clients first
- Excellent training and development
- Opportunities for career advancement
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
