Credit Products Underwriter III - CRE

BOK Financial is committed to fostering long-term client relationships by attracting top talent. The company emphasizes innovation, growth, and teamwork, providing a dynamic environment for employees to excel. At BOK Financial, we believe in the power of being one team. Success is achieved through a dedication to high standards, a passion for excellence, and a collaborative spirit that unites us in our mission.

The Credit Products Underwriter III - CRE (CPU III) 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, etc. 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. The CPU III will have client-facing responsibilities, providing the necessary consultation to deliver the best possible integrated solution to the client. 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.

BOK Financial fosters a collaborative, goal-oriented culture where employees follow established standards, receive support from accessible managers, and engage in mentorship. The company values accuracy, initiative, and community involvement, offering an exciting opportunity for growth and teamwork.

• You will prepare complex financial underwriting for transactions between $10M and $50M that impact key client accounts and business profitability.
• You will independently analyze credit deals and recommend optimal structures and pricing to Relationship or Department Managers.
• You will identify and document policy exceptions while gathering financial data and business insights directly from clients.
• You will present credit analysis to loan committees and serve as a subject-matter expert in credit and industry trends.
• You will write commitment reports and independently present loan renewals or support Syndicated and Club transactions as needed.
• You will collaborate with Relationship Managers to develop new credit business and deliver tailored financial solutions to clients.
• You will supervise analysts and interns, manage credit workflow, and oversee tasks such as covenant testing and financial spreading.
• You will monitor borrower compliance, review and negotiate legal documents, and coordinate with Capital Markets on swaps and prepayments.

This level of knowledge is normally acquired through completion of a Bachelor's degree and 8+ years of Credit Analysis/Credit products underwriter experience; or 14+ years of equivalent work related experience.

• Comprehensive accounting & cash flow knowledge, with demonstrated knowledge of intermediate accounting theory (including the difference between GAAP and income-tax based statements, cash and accrual accounting, consolidation and elimination principals, and the effect each type of accounting has on the underwriting process)
• Succinctly identify the drivers and/or potential threats to cash flow and structuring in order to mitigate that risk, if possible
• Solid working knowledge of rules, regulations and documentation
• Clearly communicate and convey information and ideas through a variety of channels
• Leverage a network of relationships with clients,
• Relationship Managers, and peers for support in achieving both the individual and organizational goals
• Strong knowledge and understanding of credit principles, lending functions, loan analysis, and application of general credit policies
• Excellent organizational skills and meticulous work habits
• Solid critical review skills focused on errors and incorrect conclusions
• Ability to complete assignments quickly and efficiently with minimal direction
• Proactive communication skills (internally with colleagues and senior personnel and externally)
• Good conflict management skills
• Possess the courage and confidence to have difficult conversations or voice differing opinions (both internally and externally)
• Strong knowledge of loan documentation, loan policy and regulations
• Excellent knowledge of the Loan Grading Process