AVP, Commercial Portfolio & Credit Risk Leader

FAIRWINDS Credit Union; Orlando (FL); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Paid holidays

401(k) match

Health Savings Account

Maternity leave

Medical, dental, vision coverage

Disability insurance

Life insurance

Leadership development

Tuition assistance

Advancement opportunities

Debt Free Club

SmartDollar program

Job summary

FAIRWINDS Credit Union in Orlando is seeking an experienced Assistant Vice President, Commercial Portfolio Officer to oversee the health and performance of our commercial loan portfolio, support loan participation activities, and identify risks.

You will partner with Commercial Credit, Risk Management, Portfolio Management, and external financial institutions to ensure sound portfolio administration and compliance.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field is required.
• 5+ years of experience in commercial lending, commercial credit, portfolio management, or similar financial services.
• Strong commercial credit analysis and financial statement analysis skills.
• Knowledge of accounting principles and financial reporting.
• Experience with CRE, C&I lending, portfolio monitoring, or credit risk management is preferred.
• Experience with loan participations, syndications, or shared credit structures is preferred.
• Formal credit training is a plus.
• Strong written and verbal communication skills for cross-department collaboration.

Responsibilities

• Serve as the primary commercial credit resource for participation and syndication activities, including 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.

Skills

Strong commercial credit analysis

Financial statement analysis

Excellent communication skills

Education

Bachelor's degree in Finance, Accounting, or related field

Job description

FAIRWINDS Credit Union in Orlando is seeking an experienced Assistant Vice President, Commercial Portfolio Officer to oversee the health and performance of our commercial loan portfolio, support loan participation activities, and identify risks.

You will partner with Commercial Credit, Risk Management, Portfolio Management, and external financial institutions to ensure sound portfolio administration and compliance.