Req ID: 65823
Job Location: Albuquerque Albuquerque NM
Areas of Interest: Commercial Analyst
BOK Financial (BOKF), Headquartered in Tulsa, Oklahoma, BOK Financial Corporation (NASDAQ: BOKF) is a top 25 U.S.-based financial services holding company with operations in ten states – Oklahoma, Texas, Arkansas, Arizona, Colorado, Kansas/Missouri, New Mexico, Nebraska and Wisconsin. The company began more than 100 years ago in Tulsa and has successfully diversified into a variety of industries, businesses and geographies. .
Join us as a Credit Product Underwriter II. 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.
About the Role
In this highly analytical role, your primary responsibility will be underwriting complex financial transactions in partnership with the Relationship Manager and Senior Credit Product Underwriter. You will focus on the financing of investment real estate, owner-occupied real estate, working capital, equipment, and leveraged buyouts/acquisitions. You will provide product and industry information to the client by designing and executing integrated solutions on more complex transactions.
What You Can Expect
In this role, you will be responsible for providing product and industry expertise by designing solutions for complex clients. Your time will be balanced between analyzing, designing, and executing deals and partnering with the Relationship Managers to generate revenue and increase profitability. Helping our customers move their business forward and being a value-add is rewarding.
We live the company values in everything we do and act with honor and transparency. We leverage collaborative teamwork when expressing credit concerns and developing solutions for new deals and opportunities. The entire team works hand-in-hand on write-ups.
The Credit Product Underwriter provides a solid foundation for opportunities throughout the organization. Underwriters develop into more senior credit professionals or leverage their experience with clients to transition into sales.
How You’ll Spend Your Time
- You will independently prepare credit analysis on middle-market transactions, which impact profits for the lending division.
- You will collaborate with the Credit Concurrence Officer to provide additional information and/or to support conclusions reached in analysis.
- You will participate in joint calling on prospects and clients with the Relationship Managers to gather key information for proper credit analysis.
- You will write all commitment reports for specified loans and be responsible for expanding and retaining your credit portfolio.
We’d Like to Talk to You
ACCOUNTING: You demonstrate knowledge of intermediate accounting theory, GAAP, income-tax based statements, cash and accrual, consolidation and elimination principles, and the effect each type of accounting has on the underwriting process.
COMMUNICATION: You express ideas concisely and clearly. You tailor written communications to reach your audience effectively.
ANALYTICAL THINKING: You approach a problem logically, systematically, and sequentially.
CREDIT AND RISK APTITUDE: You examine your client’s creditworthiness to alleviate risk and make informed decisions. You will have a solid knowledge of the loan documentation and loan grading process.
RELATIONSHIP BUILDER: You relate to any audience and build trust by leveraging strong interpersonal skills and a high level of integrity.
TECH SAVVY: You will use your solid knowledge of product delivery systems, online computer systems, and MS Office to navigate multiple systems.
Education & Experience Requirements
This level of knowledge is normally acquired through completion of a Bachelor’s degree and 5-7 years Credit Analysis/Credit products underwriter experience; Or 13-15 years of equivalent work related experience.
BOK Financial is a stable and financially strong organization that provides excellent training and development to support building the long term careers of our employees. With passion, skill and partnership you can make an impact on the success of the bank, our customers and your own career!
Apply today and take the first step towards your next career opportunity!
BOK Financial is an equal opportunity employer. We are committed to providing equal employment opportunities for training, compensation, transfer, promotion and other aspects of employment for all qualified applicants and employees without regard to sex, race, color, religion, national origin, age, disability, sexual orientation, genetic information or veteran status.
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