What are the responsibilities and job description for the Portfolio Manager position at FAIRWINDS?
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.
Our Commercial Banking team is growing and in need of an additional Portfolio Manager! This role is responsible for providing an unbiased and objective review of the existing borrowing relationships and thoroughly disclosing all identified risks, assessing mitigating factors, and disclosing in the credit approval memorandum.
Your Role in Our Mission:
- Provide unbiased reviews of borrowing relationships, identifying risks and mitigates in the credit approval memorandum.
- For credit facility renewals, determines the compliance with existing credit agreements, identifies defaults, and if appropriate, recommends modifications.
- A critical component of this role is early identification of emerging credit problems and industry trends.
- Responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship. Loan portfolio to include the primary asset types such as office, retail, industrial, and multi-family as well as more specialized asset classes inclusive of but not limited to self-storage, hotel, restaurants, and single-family rental properties.
- Works with the Lender to obtain all necessary information to complete annual reviews, renewals and modifications of existing credits.
- Review and analyze borrower financial information including corporate financial statements and tax returns to determine borrower financial condition and develop cash flow analysis.
- Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, and liquidity statements to determine financial strength of guarantor.
- Proactively identifies opportunities for expanding existing relationships within an assigned portfolio.
- Responsible for monthly review of received borrowing base certificates and account receivable aging reports.
What Makes You a Great Fit:
- Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
- Four to six years of related experience in Financial Services, Banking, and Credit Analysis
- Experience with nCino, Sageworks, Moody’s, and CoStar preferred
- Strong writing skills
- Loan Review or similar background
- RMA – Credit Risk Certification
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
- Receive 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 FAIRWINDS Credit Union
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!
Salary : $700