FAIRWINDS Credit Union · 1 day ago
Senior Commercial Underwriter
Orlando, FL
Full-time
Hybrid
Mid, Senior Level
4+ years expFAIRWINDS Credit Union is a mission-driven organization dedicated to helping members achieve financial freedom. As a Senior Commercial Underwriter, you will prepare credit analyses for loan opportunities and work closely with lenders to assess financial data and mitigate risks.
BankingCreditFinancial Services
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
Qualification
Required
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
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
Preferred
Master's degree in related discipline or formal credit training
Experience with nCino, Sageworks, Moody's, and CoStar
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
Company
FAIRWINDS Credit Union
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.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Phil Tischer
COO
Bryan Meizinger
Executive Vice President, Chief Credit Officer
Recent News
2025-08-29
The Orlando Sentinel
2025-07-14
Company data provided by crunchbase