Commercial Underwriter

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 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 .

Your Role in Our Mission:

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

What Makes You a Great Fit:

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

Experience with nCino, Sageworks, Moody's, and/or CoStar preferred

Equivalent combinations of education and experience may be considered

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

Eligible for 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!

FAIRWINDS is an Equal Opportunity Employer.