Commercial Underwriter
FAIRWINDS Credit Union•Orlando, FL
•Onsite
About The Position
As a Commercial Underwriter, you’ll play a critical role in helping us deliver on that mission by providing accurate and objective credit analysis that supports sound lending decisions and protects the credit union. We’re looking for a detail-oriented financial professional who enjoys analyzing complex financial information, identifying risk, and partnering with lenders to structure strong commercial credit opportunities that benefit both our members and FAIRWINDS.
Requirements
- Bachelor’s degree in Finance, Accounting, Business, or a related field
- 3–5+ years of commercial credit underwriting experience (credit union or bank experience preferred)
- Experience partnering directly with lenders throughout the full credit lifecycle
- Strong analytical, organizational, and critical thinking skills
- Ability to interpret and analyze complex financial statements and tax returns
- Excellent communication and collaboration skills
- Equivalent combinations of education and experience may be considered
Nice To Haves
- Experience with nCino, Sageworks, Moody’s, and/or CoStar preferred
Responsibilities
- Prepare complete and accurate commercial credit analyses in a timely manner
- Provide an unbiased and objective evaluation of prospective borrowers while identifying and disclosing all associated risks
- Partner with Commercial Lenders to gather and analyze all information necessary to underwrite credit requests
- Review and analyze: Corporate financial statements, Business and personal tax returns, Personal financial statements, Real estate owned schedules, Liquidity statements
- Develop detailed cash flow analyses to determine borrower financial strength
- Determine Borrower Risk Ratings and Loan Risk Ratings
- Assist in structuring credit requests that align with the best interests of both the member and FAIRWINDS
- Complete comprehensive Credit Approval Memorandums
- Prepare financial spreads and supporting analysis
- Identify opportunities to deepen and expand existing member relationships
Benefits
- 11 paid holidays
- generous paid time off
- 6% 401(k) match
- $700 annual contribution to your Health Savings Account
- comprehensive maternity leave program
- medical, dental, vision, disability, and life insurance
- leadership development
- tuition assistance
- advancement opportunities
- rewards for financial wellness through our Debt Free Club and Dave Ramsey’s SmartDollar program
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
