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Job · Pensacola, FL · Full time

Commercial Lender

Gulf Winds Credit Union · Public & Societal Benefit · $77M budget · 295 staff · Since 1954

Why Gulf Winds Credit Union

FY2024 · Form 990Its mission and biggest programs, as filed

Provides financial services to members in Florida, Alabama, and Georgia.

  • In our efforts to promote thrift among our members, the Credit Union provides competitive savings products, which include savings, checking, certificate of deposit accounts as well as ira savings accounts.
  • To meet the financial needs of its members, the Credit Union provides a source of Credit by offering a variety of consumer and mortgage lending products at reasonable rates of interest.

Before you apply

FY2024 · Form 990Independent: from IRS data, not the org
Pays its leaders
$117K–$373K
11 officers reported
Fine: from the org's Form 990.
Pt VII · Sec A
Budget
$69.1M
spent in FY2024
Fine: from the org's Form 990.
Pt I · Ln 18
Staff
295
employees
12 volunteers
Fine: from the org's Form 990.
Pt I · Ln 5–6
Surplus or deficit
+10%
of revenue, FY2024
Looks good: revenue was at least expenses in the latest filing.
Pt I · Ln 19
Cash reserves
15 mo
of spending, in cash and securities
Looks good: 15.5 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file
IRS status
501(c)(14)
tax-exempt since 2019
Looks good: listed by the IRS.
IRS BMF
Looks goodFineWorth a lookConcernTap a box for the reason.

About the role

The org's own posting, as written

About Gulf Winds Service Beyond Banking - At Gulf Winds, we are forward-thinking and team-oriented. We recognize and reward service that exceeds our members’ expectations and, most importantly, have fun while working hard and impacting our community. We’re looking for driven professionals who are passionate about service, fueled by purpose, and guided by core values of Integrity, Care, Growth, and Innovation Our Values We are guided by our core values of Integrity, Care, Growth, and Innovation and are dedicated to our members, our community and each other. Integrity We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else. Growth We set ambitious goals, provide personal development opportunities, and encourage results. Innovation We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today. Working at Gulf Winds Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We are forward-thinking and family oriented. We recognize and reward excellent member service and have fun while working hard.

When you join the team, you can expect: Open and transparent communication with your leaders Consistent coaching and opportunities to improve performance. Collaborative and team-focused environments Short and long-term professional development Opportunity to participate in cross-functional projects. With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast. Role: This position requires a thorough understanding of the dynamics of commercial lending, a strong financial background, excellent analytical skills, and a passion for developing relationships and serving our business clients.

Essential Functions & Responsibilities: 35% Acquire new commercial relationships and expand existing commercial relationships within the Credit Union. Conduct financial analysis, balance sheet and income statement, statement of cash flows and cash flow projection assessments. Perform credit risk assessments and evaluate the overall financial health and creditworthiness of borrowers. Present recommendations to senior management and loan committee for approval. 20% Collaborate with loan officers, borrowers, and other stakeholders to gather necessary information and documentation. Monitor and manage member relationships.

15% Stay updated on industry trends, regulations, and best practices related to commercial lending. 15% Work with Loan Assistant in preparation of loan documents and ensuring compliance with regulatory requirements. 10% Participate in meetings with members to understand their financing needs and provide appropriate product solutions. 5% Other job related duties as assigned. Knowledge and Skills : Experience…

Read the full posting

About Gulf Winds Credit Union

From its Form 990