Job Description

Req ID:  76965 

Location:   Dallas -DAL, Houston -HOUS  

Areas of Interest:  Mortgage Operations  

Pay Transparency Salary Range:   Not Available  

Application Deadline:  09/18/2025

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

Formula Based

Summary

The team works collaboratively and learn and grow by bouncing ideas off one another. Your success is the success of the collective team. Things change constantly and it’s hard to keep up with everything. The spirit of the team is to have your back. If one person is having a hard time making a decision they will get in a huddle and discuss ideas and experiences. There are subject matter experts for all areas to provide help or insight.

Job Description

The Mortgage Underwriter I position is primarily responsible for the mortgage credit risk associated with underwriting complex conventional residential mortgage loans. This position ensures the highest level of credit quality by making sound and well-documented underwriting decisions based on a thorough knowledge of the banks’ and the secondary markets’ policies and guidelines and an in-depth analysis of loan documentation and data; ensures adherence to various investor’s guidelines and state and federal government regulations; makes credit risk decisions in timely and decisive manner while maintaining and managing an underwriting pipeline to achieve service level agreements; provides best in class customer service with a ‘what can I do’ approach to personal accountability; as a mortgage credit risk and underwriting subject matter expert, creates loan level solutions through proactive problem solving, analyzing complex loan scenarios and researching and answering underwriting questions; challenges the status quo by making recommendations on improving the mortgage credit risk and underwriting process, procedure and policy.

Team Culture

The team works collaboratively and learn and grow by bouncing ideas off one another. Your success is the success of the collective team. Things change constantly and it’s hard to keep up with everything. The spirit of the team is to have your back. If one person is having a hard time making a decision they will get in a huddle and discuss ideas and experiences. There are subject matter experts for all areas to provide help or insight.

How You'll Spend Your Time

• You will make credit risk decisions based on sound underwriting judgment, the application of underwriting guidelines and principles, and the thorough analysis of complex loan documentation; including appraisal reports, compliance inspections, credit reports, verifications, bank statements, tax returns and financial statements. 
• You will evaluate the credit worthiness of loan applicants and the value and marketability of the subject property. You will insure loans meet all bank, investor, federal, state and local policies, guidelines and regulations.
• You will communicate underwriting decisions in a clear and concise manner and within prescribed service level agreements and timeframes. You will thoroughly document the overall credit decision in both the loan file and in the loan origination system; including the credit, income, asset and valuation analysis.
• You will provide best in class customer service with a ‘what can I do’ approach to personal accountability; act as a mortgage credit risk and underwriting subject matter expert by creating loan level lending solutions through proactive problem solving, analyzing complex loan scenarios, and researching and answering underwriting questions. You will also provide leadership and ‘model the way’ by providing support and technical assistance to other underwriters, management, mortgage bankers, loan processors, and loan closers in order to increase production, improve quality, enhance efficiency, and maintain superior customer service.
• You will maintain a thorough knowledge of market conditions in the geographic areas where mortgage loans will be originated, and maintain a complete understanding of all bank and secondary market policies and guidelines while staying current on all changes and updates to these policies and guidelines.

Education & Experience Requirements

This level of knowledge is normally acquired through completion of a Bachelor’s degree and 1-3 years residential mortgage loan underwriting or 7-9 years of equivalent work related experience.

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!
Apply today and take the first step towards your next career 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.

Please contact  [email protected] with any questions. 

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