AVP - Commercial Portfolio Officer

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

Benefits offered by this job

Paid holidays

6% 401(k) match

HSA annual contribution

Maternity leave program

Medical/dental/vision insurance

Tuition assistance

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 the commercial loan portfolio. You will evaluate opportunities, monitor risk, and coordinate with credit, risk management, and external institutions to ensure sound portfolio administration and regulatory compliance.

You will lead participation activities, analyze financials, prepare reports, and escalate material concerns.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• 5+ years in commercial lending, credit, portfolio management, or related 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 preferred.
• Experience with loan participations, syndications, or shared credit structures preferred.
• Formal credit training is a plus.
• Strong written and verbal communication across departments and with partners.

Responsibilities

• Serve as the primary commercial credit resource for participation and syndication activities, including evaluation and monitoring.
• Analyze financial condition, creditworthiness, and risk characteristics of institutions.
• Administer loan participations, including reporting, covenant monitoring, and servicing communication.
• Monitor portfolio performance and analyze trends in concentrations, asset quality, and risk migration.
• Prepare portfolio reports, credit summaries, risk assessments, and leadership recommendations.
• Support portfolio risk oversight by monitoring critical relationships and escalating concerns.
• Build relationships with participation partners, originating institutions, and external stakeholders.
• Identify emerging portfolio risks and communicate findings to leadership.
• Ensure compliance with policies, participation requirements, and regulatory guidance.

Skills

Commercial lending

Credit analysis

Financial statement analysis

Regulatory/compliance knowledge

Communication skills

Education

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

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.

We're looking for an experienced Assistant Vice President, Commercial Portfolio Officer to play a key role in overseeing the health and performance of our commercial loan portfolio, supporting loan participation activities, and identifying emerging risks and opportunities.

In this role, you'll partner closely with Commercial Credit, Risk Management, Portfolio Management, and external financial institutions to help ensure sound portfolio administration, strong credit quality, and compliance with regulatory and organizational standards. If you enjoy analyzing complex credit relationships, monitoring portfolio performance, and building strong industry partnerships, we'd love to hear from 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:

• 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 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 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.