Commercial Underwriter
About the role
At FAIRWINDS Credit Union, we are a team dedicated to helping our members achieve financial freedom. As a Commercial Underwriter, you will play a crucial part in supporting our mission by providing accurate and objective credit analysis.
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
- Possess strong analytical, organizational, and critical thinking skills
- Interpret and analyze complex financial statements and tax returns
- Communicate effectively with lenders throughout the full credit lifecycle
- Develop detailed cash flow analyses to determine borrower financial strength
- Determine Borrower Risk Ratings and Loan Risk Ratings
- Avoid conflicts of interest and maintain objectivity in all credit decisions
- Participate in structuring credit requests that align with the best interests of both the member and FAIRWINDS
- Prepare comprehensive Credit Approval Memorandums
- Complete financial spreads and supporting analysis
- Identify opportunities to deepen and expand existing member relationships
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
- Excellent communication and collaboration skills
- Experience with nCino, Sageworks, Moody’s, and/or CoStar preferred
Qualifications
- Equivalent combinations of education and experience may be considered
Skills
- Strong analytical and organizational skills
- Excellent communication and collaboration skills
- Proficiency with nCino, Sageworks, Moody’s, and/or CoStar
Benefits
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
Pay
Competitive salary based on experience and qualifications
Schedule
Full-time position
Culture of Care and Reward
We give your best, and we give back with a comprehensive and meaningful rewards package including:
- 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
- Leverage leadership development, tuition assistance, and advancement opportunities
- Earn rewards for financial wellness through our Debt Free Club and Dave Ramsey’s SmartDollar program
About FAIRWINDS Credit Union
FAIRWINDS Credit Union is a purpose-driven, people-first culture where your impact matters. Headquartered in Orlando and serving members for over 70 years, our mission - changing members' lives on the journey to Financial Freedom - drives everything we do. 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!
Equal Opportunity Employer
FAIRWINDS Credit Union is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.