Senior Commercial Lending​/Relationship Officer

Power Financial Credit Union is an award-winning institution! To name just a few, we were voted Top Workplaces by Sun Sentinel, 2017, 2018, 2024 and 2026. We have also been voted Best Credit Union in Miami-Dade by the Miami Herald for the third consecutive year (2023, 2024. 2025). In addition, we were recently voted Best Credit Union /South Florida Favorites by the Sun-Sentinel for 2026!

Power Financial was also ranked in the Top 100 Credit Unions in the US by S&P Global for 2023 and 2024! Currently we operate 7 branches in Miami-Dade, Broward and Palm Beach counties. Port St Lucie is our newest branch (Branch #8) set to open in late summer/early fall 2026. Since our start in 1951 we have grown from providing financial services for Florida Power and Light (FPL) employees, to the present day of serving over 30 communities in Southeast Florida.

Power Financial Credit Union provides a stimulating work environment that is both productive and enjoyable. We invite you to consider joining our winning team!

We are currently searching for a dynamic Senior Commercial Lending Officer who will help provide local businesses and commercial real estate investors with solutions to their commercial financing needs. This role will lead the effort to expand PFCU’s commercial lending presence, as well as the overall market penetration of PFCU, by soliciting new business and retaining existing members to meet established loan quality and organizational goals.

Responsible for meeting the needs and expectations of business members while promoting PFCU’s commercial lending products and services, maintaining and expanding superior Member relations and consistently meeting or exceeding assigned individual or team goals. Responsible for the growth and quality of the Commercial Lending portfolio, compliance with banking laws and regulations, and adherence to PFCU’s policies and procedures.

In this position you will handle:

• New Business Generation & Origination:
  Solicit and develop a pipeline of new business to meet established loan quality, individual and organizational goals. Work closely with Branch Managers and Retail staff on developing commercial loan referrals. Apply a workout-mindset at origination to ensure defensive structuring.
• Credit Analysis & Structuring:
  Interview loan applicants, gather and evaluate financial data to establish creditworthiness. Assess financial conditions of business members and industry trends. Demonstrate competency in interpreting financial statements, evaluating credit risks and understanding cash flow—especially commercial real estate and global cash flow. Negotiate terms and structure for all commercial loans, ensuring the structure meets PFCU’s risk appetite, profit measurements and aligns with the member’s long-term goals.
• Loss Mitigation & Distressed Asset Management:
  Serve a key role in managing distressed, non-performing, watchlist, and special mention commercial loans to protect PFCU’s interests. Work closely with the VP, Commercial Lending Director to evaluate borrowers’ financial situations, lead meaningful discussions with borrowers regarding workout strategies, and negotiate loan modifications or repayment plans to maximize recovery and minimize loan losses. Coordinate with legal teams on strategies appropriate to each unique workout situation.
• Relationship & Portfolio Management:
  Maintain member relations over the term of the lending relationship. Assist the Credit/Portfolio Management team in acting as the liaison during periodic credit reviews over the life of the loan. Proactively monitor portfolio health to identify early warning signs of distress.
• Closing & Operations:
  Aid in the collection of necessary pre-closing documentation and work closely with…