Credit Products Underwriter III - Commercial Banking

BOK Financial•Mesa, AZ

1d•Onsite

About The Position

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 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 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.

Requirements

Bachelor’s degree and 8+ years of credit analysis/credit products underwriter experience; or 14+ years of equivalent work related experience.
Excellent written and verbal communication skills.
Ability to prioritize and exhibit excellent time management.
Client-facing responsibilities.
Ability to design and execute solutions for complex and specialized clients and transactions.
Ability to perform due diligence and analysis based on business type and structure.

Responsibilities

Conducting complex 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.
Engaging in credit conversations, decision making, and communication with credit leadership and Relationship Managers.
Working efficiently to get deals approved while mitigating risk.
Preparing commitment reports for all of the multi-state markets supported by the lending center.
Providing consultation to clients to deliver the best possible integrated solution.
Mentoring and training junior underwriters.