Senior Commercial Underwriter

FAIRWINDS Credit Union • Orlando, FL

1d • Hybrid

About The Position

Financial Freedom Happens Here – and it starts with YOU. At FAIRWINDS Credit Union, we’re more than a workplace; we’re a team on a mission. Join the credit union nationally endorsed by The Dave Ramsey Show, where every day is a step toward financial freedom - for our members and for you. As a Senior Commercial Underwriter, you'll be the first step in helping our members live financially free! We are looking for a Senior Commercial Real Estate Underwriter estate to join the team at our downtown Orlando commercial banking division. This position is responsible for preparing complete and accurate credit analyses of new money loan opportunities for prospective and current members in a timely manner that meets or exceeds internal business partners' needs, client expectations, regulatory requirements, and leading industry practices. This position will start on-site and transition to hybrid (if desired) after initial training period. Your Role in Our Mission: Completes Credit Approval Memorandum Reviews and analyzes borrower financial data, including corporate statements and business tax returns to assess financial strength and stability. Reviews and analyzes personal financial information for guarantors including personal financial statements, tax returns, personal credit reports, real estate owned schedules, and liquidity statements to determine financial strength of guarantor. Works with the Lender to structure and obtain all necessary information to underwrite credit requests that serve the best interest of the Member and FAIRWINDS. Determines Member and Loan Risk Rating Prepares spreads of business and personal tax returns. Identifies opportunities for expanding the existing relationship Offer mentorship to junior underwriters and provide guidance and support as needed Assists Portfolio Managers with annual reviews and renewals as required. Ultimately accountable for protecting FAIRWINDS by providing an unbiased and objective view of the prospective borrower and loan opportunity by disclosing and mitigating all material risks in the credit approval memorandum Live and model The FAIRWINDS Way values in everything you do What Makes You a Great Fit: Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience. Master’s degree in related discipline or formal credit training preferred. Minimum four years of related experience in Commercial Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred Experience with nCino, Sageworks, Moody’s, and CoStar preferred. Must possess strong analytical skills with the ability to clearly communicate findings in both oral and written format. A strong desire to serve others and help them improve their financial lives. A Culture of Care and Reward: You give your best, and we give back with a comprehensive and meaningful rewards package: Enjoy 11 paid holidays and generous paid time off to recharge and reset Build your future with a 6% 401(k) match Receive a $700 annual contribution to your Health Savings Account Access our comprehensive maternity leave program to support growing families Stay covered with medical, dental, vision, disability, and life insurance Grow your career through leadership development, tuition assistance, and advancement opportunities Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey’s SmartDollar program Thrive in a purpose-driven, people-first culture where your impact matters This is more than your next job. It’s your next step in changing lives; starting with your own! About FAIRWINDS Credit Union At FAIRWINDS Credit Union, Financial Freedom Happens Here. Headquartered in Orlando and proudly serving members for over 70 years, our mission - changing members’ lives on the journey to Financial Freedom - drives everything we do, with a clear vision: Members financially free. Through The FAIRWINDS Way, we champion a culture of integrity, accountability, and teamwork, and we’re nationally endorsed by The Dave Ramsey Show as a trusted provider of financial wellness. Recognized as one of Forbes’ 2024 Best-in-State Credit Unions and one of Orlando Business Journal’s Best Places to Work, FAIRWINDS is a top workplace where your purpose matters and your growth is supported every step of the way!

Requirements

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience.
• Minimum four years of related experience in Commercial Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
• Must possess strong analytical skills with the ability to clearly communicate findings in both oral and written format.
• A strong desire to serve others and help them improve their financial lives.

Nice To Haves

• Master’s degree in related discipline or formal credit training preferred.
• Experience with nCino, Sageworks, Moody’s, and CoStar preferred.

Responsibilities

• Completes Credit Approval Memorandum Reviews and analyzes borrower financial data, including corporate statements and business tax returns to assess financial strength and stability.
• Reviews and analyzes personal financial information for guarantors including personal financial statements, tax returns, personal credit reports, real estate owned schedules, and liquidity statements to determine financial strength of guarantor.
• Works with the Lender to structure and obtain all necessary information to underwrite credit requests that serve the best interest of the Member and FAIRWINDS.
• Determines Member and Loan Risk Rating Prepares spreads of business and personal tax returns.
• Identifies opportunities for expanding the existing relationship Offer mentorship to junior underwriters and provide guidance and support as needed
• Assists Portfolio Managers with annual reviews and renewals as required.
• Ultimately accountable for protecting FAIRWINDS by providing an unbiased and objective view of the prospective borrower and loan opportunity by disclosing and mitigating all material risks in the credit approval memorandum
• Live and model The FAIRWINDS Way values in everything you do

Benefits

• Enjoy 11 paid holidays and generous paid time off to recharge and reset
• Build your future with a 6% 401(k) match
• Receive a $700 annual contribution to your Health Savings Account
• Access our comprehensive maternity leave program to support growing families
• Stay covered with medical, dental, vision, disability, and life insurance
• Grow your career through leadership development, tuition assistance, and advancement opportunities
• Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey’s SmartDollar program
• Thrive in a purpose-driven, people-first culture where your impact matters

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees