Job Description

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.

Your Role in Our Mission

• Serve as the primary commercial credit resource for participation and syndication activities, including opportunity evaluation, due diligence, transaction analysis, partner coordination, and ongoing portfolio monitoring.
• Analyze the financial condition, creditworthiness, and risk characteristics of originating and participating financial institutions.
• Administer purchased and sold loan participations, including financial reporting review, covenant monitoring, servicing communication, and issue escalation.
• Monitor portfolio performance and analyze trends related to concentrations, asset quality, risk migration, industry exposure, and maturity profiles.
• Prepare portfolio reports, credit summaries, risk assessments, and recommendations for executive leadership and loan committees.
• Support commercial portfolio risk oversight by monitoring criticized and classified relationships and escalating material concerns as needed.
• Build and maintain strong relationships with participation partners, originating institutions, and other external stakeholders.
• Identify emerging portfolio risks, trends, and control concerns and communicate findings to leadership.
• Ensure compliance with Credit Union policies, loan participation requirements, and applicable regulatory guidance.

What Makes You a Great Fit

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field required.
• 5+ years of experience in commercial lending, commercial credit, portfolio management, or a related financial services environment.
• Strong commercial credit analysis and financial statement analysis skills.
• Knowledge of accounting principles and financial reporting.
• Experience with commercial real estate (CRE), commercial and industrial (C&I) lending, portfolio monitoring, or credit risk management preferred.
• Experience with loan participations, syndications, or shared credit structures preferred.
• Formal credit training is a plus.
• Strong written and verbal communication skills with the ability to effectively collaborate across departments and with external partners.

A Culture of Care and Reward:
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 SmartDollar 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!

About FAIRWINDSCredit Union
At FAIRWINDSCredit 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 FAIRWINDSWay, 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’ 2025 Best-in-State Credit Unions and one of Orlando Business Journal’s Best Places to Work, FAIRWINDSis a top workplace where your purpose matters and your growth is supported every step of the way!

FAIRWINDS is an Equal Opportunity Employer.