Credit Prod Underwriter II - Energy Bkg

BOK Financial Corporation; Houston (TX); On-site; USD 80,000 - 100,000; Full time

Job summary

BOK Financial Corporation is seeking a Credit Product Underwriter II - Energy in Houston. This role involves underwriting complex financial transactions, conducting credit analysis, and collaborating closely with Relationship Managers for client engagements.

The ideal candidate will have a bachelor's degree and 5-7 years of experience in credit products underwriter roles. Strong communication skills and an understanding of credit principles are critical for success. Office-based with occasional travel responsibilities.

Qualifications

• Bachelor's degree and 5-7 years of experience in credit analysis or equivalent.
• Knowledge of GAAP and income tax based statements.
• Ability to analyze loans and perform credit risk assessments.

Responsibilities

• Underwrite complex financial transactions.
• Conduct credit analysis for business financing.
• Prepare commitment reports for supported markets.

Skills

Credit analysis

Communication skills

Lending principles

Accounting theory

Organizational skills

Loan documentation

Advanced PC skills

Education

Bachelor's degree

5-7 years credit analysis experience

Job description

Summary

Join us as a Credit Product Underwriter II - Energy. 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 II - Energy 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. Additionally, the underwriter provides product and industry expertise to clients by designing and executing solutions on more complex clients. Responsibilities include client‑facing consultation, analysis of clients, design and execution of deals, and joint client calls with Relationship Managers to provide advice. The underwriter partners with Relationship Managers to assist in generating revenue and profitability.

How You'll Spend Your Time

• The majority of your time will be spent conducting credit analysis to finance multiple business endeavors, including upstream and midstream oil & gas assets.
• Daily tasks include credit conversations, decision making, and communication with Relationship Managers and credit leadership.
• 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.
• You will participate in joint calls on prospects to gather key information for credit analysis.
• You will work through credit documents with Relationship Managers to effectuate new and existing loans.

Education & Experience Requirements

The required level of knowledge is normally acquired through completion of a bachelor’s degree and 5–7 years of credit analysis/credit products underwriter experience or an equivalent combination of education and experience.

• Demonstrated knowledge of intermediate accounting theory, including the difference between GAAP and income‑tax‑based statements, cash and accrual accounting, consolidation and elimination principles, and the effect each type of accounting has on the underwriting process.
• Ability to clearly communicate and convey information and ideas through a variety of channels.
• Ability to leverage a network of relationships with clients, relationship managers, and peers for support in achieving both individual and organizational goals.
• Extensive knowledge and understanding of credit principles, lending functions, loan analysis, and application of general credit policies.
• Excellent organizational skills and meticulous work habits.
• Ability to critically review work for errors and incorrect conclusions.
• Ability to complete assignments quickly and efficiently with minimal direction.
• Ability to proactively communicate with both colleagues and senior personnel.
• Ability to work efficiently under limited timeframes.
• Extensive knowledge of loan documentation, loan policy and regulations.
• Extensive knowledge of the loan grading process.
• Excellent oral and written communication skills.
• Advanced PC and spreadsheet software skills.

Working Conditions & Physical Requirements

Office-based with occasional travel.

Equal Employment Opportunity

The companies in BOK Financial Corporation Group are equal opportunity employers. 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, pregnancy status, sexual orientation, genetic information, or veteran status.