Commercial Underwriter
FAIRWINDS Credit Union
Orlando, FL
Sales / Marketing, Finance / Banking / Insurance
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
- 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
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
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.
About the company
Company website•Financial Services
We are the financial that doesn’t want you to have any debt. We offer solutions and advice to help you on your journey to financial freedom.
FAIRWINDS Credit Union is Federally Insured by NCUA. Equal Housing Opportunity. NMLS #715408
Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA www.finra.org /SIPC www.sipc.org ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. FAIRWINDS Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
CFS Investment Representatives at FAIRWINDS Credit Union are licensed to transact securities business in Florida. For more information concerning CFS or its representative(s) associated with this site, please review FINRA Broker Check by accessing the following link and typing in the firm / representative information in the search field. http://brokercheck.finra.org/Search/Search.aspx
We will not address specific member service issues or complaints through our social media channels. If you have an immediate concern, please call Member Services at 407-277-5045 or visit us at fairwinds.org.
This inbox is not monitored by our recruitment team, but we encourage you to learn more about our career opportunities and apply directly at fairwinds.org/careers.