Senior Underwriter - Structured Finance

We Are Changing FINANCE to finance CHANGE!

Climate First Bank is a Florida Benefit Corporation, state chartered, FDIC-insured commercial bank. With three physical branches in St. Petersburg, Winter Park, and Mount Dora, plus one digital branch, we offer a full suite of banking products-including personal and business banking and loan products (solar, residential, commercial, SBA, and more). We're passionate about the environment, social issues, and making our communities (and the world) better than we found them.

We want YOU to join us in this mission, and we're looking for exceptionally hard-working, passionate, and bright new team members.

We're a team of growth-focused, goal-oriented, and competitive individuals who work hard to achieve our mission and growth milestones-always setting and exceeding new goals. We love what we do and enjoy working with people who share our excitement and vision!

Come join our Structured Finance team as a Senior Underwriter. In this role, you will champion an inclusive, equitable, and regenerative economic system by shaping underwriting strategies, structuring deals, analyzing credit risks, and guiding junior underwriters.

Join us in this exciting start-up experience and take your career to levels unattainable in a traditional bank environment. Please send a resume to apply.

• Competitive compensation
• Employer-paid medical, vision, and dental insurance
• Employer-paid disability and life insurance
• 401k match
• Employee Stock Options
• Compelling incentive plans
• Employee-only rates for select loan products
• Work with an amazing team of dedicated, like-minded individuals
• Be part of an exciting venture with incredible growth opportunities

All Climate First employees must be willing to embrace the vision of an inclusive, equitable, and regenerative economic system. The Sr. Underwriter - Structured Finance is a key player in developing, managing, and executing underwriting strategies for factoring and ABL portfolios. This hands-on role involves structuring deals, analyzing collateral and credit risks, and presenting recommendations to the credit committee. The Sr.

Underwriter will be instrumental in refining underwriting processes, mentoring junior underwriters, and ensuring transactions align with bank policies, regulations, and sustainability objectives.

• Underwriting & Credit Analysis
  Independently underwrite factoring and ABL transactions, conducting in-depth financial, collateral, and credit risk analyses. Review financial statements, borrowing bases, A/R aging reports, and industry data to guide risk assessments and deal structuring. Ensure adherence to credit policy, regulatory standards, and risk guidelines.

• Policy & Process Development
  Maintain expertise in credit policy. Develop and refine underwriting processes, templates, and best practices to enhance efficiency and consistency. Recommend updates to credit procedures, tools, and methodologies based on trends and feedback.

• Deal Structuring & Documentation
  Structure financing solutions that balance client needs with risk mitigation. Prepare Credit Line Approval Forms emphasizing financial health, collateral quality, industry outlook, and proposed terms.

• Credit Committee Engagement
  Present clear, data-driven recommendations to the credit committee and leadership. Address questions, clarify details, and offer strategic insights.

• Portfolio & Relationship Management
  Conduct annual client reviews to reassess creditworthiness, collateral valuation, and covenant compliance. Coordinate timely field exams and audits with vendors. Monitor portfolio trends, identify risks, and adjust standards or deal structures as needed.

• Team Leadership & Mentorship
  Serve as a subject matter expert, guiding junior underwriters in financial analysis, risk evaluation, and structuring. Collaborate with Relationship Managers, Credit Officers, and Operations for seamless execution and superior client service.

• Adopt and practice a commitment to social, economic, environmental, and racial justice.
• Demonstrate interest in contributing to and working by Climate First Bank's Core Values.
• Take the…