Credit Products Underwriter IV - Healthcare Banking

Join us as a Credit Product Underwriter IV - Healthcare. Our commitment to you is a positive work environment, a deep connection to our communities, and a focus on putting our clients first. While leveraging one of the strongest capital bases in the industry, our teams deliver nationally competitive products. BOK Financial provides healthcare expertise in Senior Housing and Care, Hospital and Health Systems, and Medical and Physician Banking.

The Credit Products Underwriter IV - Healthcare is primarily responsible for underwriting the most 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 Credit Products Underwriter IV - Healthcare is responsible for providing product and industry expertise to the client by designing and executing solutions for the most complex and specialized clients and transactions. The CPU IV will have client-facing responsibilities, providing the necessary consultation to deliver the best possible integrated solution to the client. The majority of the CPU IV'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 Credit Products Underwriter IV - Healthcare will partner with the RMs to assist in generating revenue and profitability.

On the Healthcare Underwriting team you are working in an industry that is always changing. This niche space allows the opportunity for you to become a specialist and understand deals in a way most people do not. The Credit Product Underwriter role 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.

• You will prepare very complex financial underwriting on middle market to corporate level Healthcare transactions, which have a significant impact on profits for the lending division. You will lead Syndicated or Club transactions.
• You will craft and deliver final structure and pricing to the Relationship Manager and Credit Concurrence Officer and assume responsibility for all exceptions.
• You will write all commitment reports for your specified loans and participate in loan committee presentations 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, interacting with clients frequently, developing solid relationships, and assisting in the development of new business.
• You will manage and lead more junior underwriters and interns including managing the workflow of analysis, covenant compliance testing, and financial statement spreading.

This level of knowledge is normally acquired through completion of a Bachelor's degree and 15+ years of Credit Analysis/Credit products underwriter experience; or 20+ years of equivalent work related experience.

• Extensive accounting & cash flow knowledge, with demonstrated knowledge of intermediate accounting theory
• Succinctly identify the drivers and/or potential threats to cash flow and structuring in order to mitigate that risk, if possible
• Comprehensive 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
• Extensive knowledge and understanding of credit principles, lending functions, loan analysis, and application of general credit policies
• Excellent organizational skills and meticulous work habits
• Strong critical review skills focused on errors and incorrect conclusions
• Ability to complete assignments quickly and efficiently with minimal direction
• Proactive communication skills
• Excellent conflict management skills
• Possess the courage and confidence to have difficult conversations or voice differing opinions
• 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 communications skills
• Advanced PC and spreadsheet software skills