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Credit Products Underwriter IV - Commercial Banking

Scottsdale, AZ, US

Req ID: 62211 

Job Location: Scottsdale Scottsdale AZ 

Areas of Interest: Commercial Banking; Business Banking Credit; Business Banking Underwriting; Commercial Banking, Business Banking; Commercial Credit Analyst; Commercial Credit Specialist; Commercial Credit Underwriter 

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.                  .

Bonus Type

Formula Based


Join us as a Credit Product Underwriter IV - 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.

About the Role

Credit Products Underwriter IV’s play a significant role at the bank. They work closely with the credit team and Relationship Managers to help grow bank assets. Credit Products Underwriters are master prioritizers who can manage multiple projects and loan requests simultaneously that vary in complexity.

What You Can Expect

This is an incredible opportunity to work with various industries where a high volume of credit requests require an additional level of due diligence and analysis. With your excellent credit and leadership skills, you can leverage that knowledge throughout the bank. You will join forces with some of the best underwriting minds in the business and build long-term professional relationships.

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 growth opportunities.

How You'll Spend Your Time

  • The majority of your time will be spent managing and developing a team of underwriters 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, decisioning loans within authority, managing workflow, and communication with Relationship Managers.
  • You will work efficiently to decision loan request while mitigating risk.
  • You will prepare very complex commitment reports for critical client accounts in 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 interact with the Credit Risk Managers, Credit Concurrence Officers, and Line of Business Leadership to lead loan presentations and provide additional information to support conclusions.

We'd Like to Talk to You

COMMUNICATION:  You express yourself clearly in conversations and written documentation. You are able to see both sides of a situation and possess the confidence to have difficult conversations.

CREDIT ACUMEN:  You have a superior understanding of credit principles and all applicable SBA products. You will have an excellent understanding of alternative financing sources and products within BOKF such as Asset Based Lending and Junior debt to facilitate partnerships with internal departments.

DETAILED ORIENTED:  You follow our established standards and have good judgment so you can escalate situations when appropriate. A passion for doing the job right, follow-up, follow-through, and accuracy are vital for this role. 

DECISIVENESS:  You will succinctly identify the drivers and/or potential threats to cash flow and structuring to mitigate risk and a demonstrated ability to exercise delegated credit authority within established bank tolerance.


DRIVE FOR RESULTS: You’ll consistently maintain high levels of productivity and work with desire, effectiveness, and determination to meet and or exceed goals.

BUILDING RELATIONSHIPS:  You leverage excellent interpersonal skills and a high level of integrity to relate to any audience and build trust.

LEADERSHIP: You’re able to listen, collaborate, respond, coach, and provide constructive feedback; keeping your team engaged is necessary for high achievement.

Education & Experience Requirements

This level of knowledge is normally acquired through completion of a Bachelor’s degree and 15+ years of credit analysis/credit products underwriter and/or “business line” experience; or 20+ 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.

Please contact recruiting_coordinators@bokf.com with any questions. 


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

  • Empowered employees
  • Award-winning culture
  • Community commitment

Base salary range explanation:

The base salary range represents an average range for this position. Actual offers to be determined based on the candidate’s qualifications, skills, experience and education. See job details for salary range and bonus type.


BOK Financial offers industry-leading benefits addressing your complete physical, financial and emotional health. Click here to see our benefits.


BOK Financial is an award-winning $46 billion regional financial services company and one of the top 30 banks in the U.S, based in Tulsa, Oklahoma.

We seek to continually foster and support the principles and values of our company by promoting an environment that is inclusive of the diverse values, opinions, experience, culture and needs of our employees, clients and communities.


  • 5,100 employees
  • 28 years of financial profitability
  • $79+ billion assets under management and administration
  • $5.8 million in charitable contributions in 2019 and $86 million since the start of the BOKF Foundation in 1998

Nearest Major Market: Phoenix

Job Segment: Bank, Banking, Credit, Credit Analyst, Finance

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