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.

• 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 Smart Dollar 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!

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.