Credit Products Underwriter IV - Commercial Banking

BOK Financial Corporation; Houston (TX); On-site; USD 90,000 - 140,000; Full time

Job summary

BOK Financial Corporation in Houston seeks a Credit Products Underwriter IV - Commercial. The role focuses on underwriting complex transactions across real estate, working capital, equipment, and SBA-backed credits, with frequent interaction with relationship managers to deliver integrated client solutions.

The position requires extensive credit analysis, client-facing communication, and mentoring of junior underwriters, in a collaborative environment with emphasis on risk management and

Qualifications

• Bachelor’s degree and 8+ years of credit analysis/credit products underwriter experience; or 14+ years of equivalent work related experience.
• Experience underwriting complex credit transactions including real estate, working capital, equipment and SBA-backed credits.
• Superb communication and client-facing consultation, with the ability to prioritize multiple requests.

Responsibilities

• Conduct complex credit analysis for multi-entity financing including real estate, working capital, equipment and acquisitions with SBA elements.
• Engage in credit conversations and decision making with credit leadership and relationship managers.
• Prepare commitment reports for multi-state markets and provide expert client guidance.

Skills

Credit analysis

Communication skills

Client-facing

Mentorship

Education

Bachelor’s degree

Job description

Credit Products Underwriter IV - Commercial Banking

Houston, TX, US, 77001

Location: Houston -HOUS

Areas of Interest: Commercial Banking

Pay Transparency Salary Range: Not Available

Application Deadline: 09/18/2026

BOK Financial Corporation Group includes BOKF, NA; BOK Financial Securities, Inc. and BOK Financial Private Wealth, Inc. BOKF, NA operates TransFund and Cavanal Hill Investment Management, Inc. BOKF, NA operates banking divisions: Bank of Albuquerque; Bank of Oklahoma; Bank of Texas and BOK Financial®.

Bonus Type

BOKF Performance Plan (D02)

Summary

Join us as a Credit Product Underwriter III – Commercial. 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 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.

Team Culture

We are a collaborative, conscientious, and goal-oriented team. We value initiative, and we care about the quality of our work. Managers across the line of business are readily available and accessible for any needs you may have. You are responsible for driving the process, and our leaders are there to support you. Mentorship within the team is a common practice that will provide opportunities for growth.

How You'll Spend Your Time

• The majority of your time will be spent conducting the 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.
• Your day will consist of credit conversations, decision making, and communication with credit leadership and Relationship Managers.
• 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 have client-facing responsibilities, providing consultation to deliver the best possible integrated solution to the client.
• You will help mentor and train junior underwriters.

Education & Experience Requirements

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.

Working Conditions & Physical Requirements

Office - Occasional Travel

BOK Financial Corporation Group is a stable and financially strong organization that provides excellent training and development to support building the long term careers of employees.With passion, skill and partnership you can make an impact on the success of the bank, customers and your own career!
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.

Investing in our talent and building a great workplace is a top priority for us.

For more than a century, BOK Financial Corporation has helped fuel the success of clients and communities. Since our humble beginnings in Tulsa, Oklahoma, we’ve grown into a diversified financial services company that serves consumers, small businesses and international corporations—and everything in between.

Facts:

• Operations focused in an eight-state footprint
• 5,000 team members
• $53.2 billion in assets*
• $129.3 billion in assets under management and administration*
• $9.3 million donated to local nonprofits in 2025
• 56,000 volunteer hours by our employees in 2025

Nearest Major Market: Houston
Job Segment: Credit Analyst, Bank, Banking, Credit, Finance