Commercial Lender

Service Beyond Banking

At Gulf Winds, we are forward‑thinking and team‑oriented. We recognize and reward service that exceeds our members’ expectations and, most importantly, have fun while working hard and impacting our community. We’re looking for driven professionals who are passionate about service, fueled by purpose, and guided by core values of Integrity, Care, Growth, and Innovation.

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

We set ambitious goals, provide personal development opportunities, and encourage results. We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today.

We offer a comprehensive benefits package designed to support your health, financial well‑being, and work‑life balance. Benefits include 11.5 paid federal holidays, PTO starting at 18 days for new hires, 16 hours of paid volunteer time, competitively priced medical insurance, dental and vision coverage with 100% of individual premiums paid by Gulf Winds. Team members also receive employer‑paid life insurance, short‑term disability coverage, a 401(k) with company match, an employer‑funded pension plan, flexible spending accounts, tuition reimbursement, and wellness programs.

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We are forward‑thinking and family‑oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team‑focused environments
• Short and long‑term professional development
• Opportunity to participate in cross‑functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

This position requires a thorough understanding of the dynamics of commercial lending, a strong financial background, excellent analytical skills, and a passion for developing relationships and serving our business clients.

• 35% Acquire new commercial relationships and expand existing commercial relationships within the Credit Union. Conduct financial analysis, balance sheet and income statement, statement of cash flows and cash flow projection assessments. Perform credit risk assessments and evaluate the overall financial health and creditworthiness of borrowers. Present recommendations to senior management and loan committee for approval.
• 20% Collaborate with loan officers, borrowers, and other stakeholders to gather necessary information and documentation. Monitor and manage member relationships.
• 15% Stay updated on industry trends, regulations, and best practices related to commercial lending.
• 15% Work with Loan Assistant in preparation of loan documents and ensuring compliance with regulatory requirements.
• 10% Participate in meetings with members to understand their financing needs and provide appropriate product solutions.
• 5% Other job related duties as assigned.

Minimum of 5 years in banking with at least 2 years of experience in commercial lending, and financial analysis.

(1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Strong understanding of…