Residential & Consumer Underwriter

We are changing FINANCE to finance CHANGE!

At Climate First Bank , we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in St. Petersburg, Winter Park, Mount Dora , and a growing digital presence , we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them.

Under our Holding Company, Climate First Bancorp , we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending.

Join the Movement

We’re seeking driven, mission-aligned individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

Thrive at Climate First Bank

At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Please note that benefit eligibility varies by employment status and that benefits for part-time employees may differ from those listed below.

Compensation — In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us

Medical, Dental & Vision Insurance

Health Savings Account (HSA)

Free Telemedicine access via Teladoc

Financial Wellness & Wealth Building

401(k) with 6% Employer Match — No Vesting Period.

Employee Stock Options

Exclusive Employee Banking Perks

0% Financing for Employee Solar Loans

Employee Only Mortgage Product with exclusive interest rates and terms.

0% Financing for Eligible Electric Vehicles (EVs)

Referral Incentives

Generous Paid Time Off

2–4 Weeks of Vacation based on officer level plus additional tenure-based time.

64 Hours of Paid Sick Time for all full-time employees.

Protection & Peace of Mind

Company-Paid Life Insurance

Short- & Long-Term Disability Insurance

Voluntary Life, Accident & Critical Illness Coverage

Employee Assistance Program (EAP) with free counseling, legal, and financial services.

What to Expect as a Residential & Consumer Underwriter:

The Residential & Consumer Underwriter is responsible for analyzing, underwriting, and making credit recommendations on consumer and residential mortgage loan requests in accordance with bank policy, regulatory requirements, and risk management standards. This position evaluates borrowers' creditworthiness, repayment capacity, collateral adequacy, and overall risk profile while ensuring compliance with lending guidelines and applicable regulations.

What You’ll Contribute in This Role:

Consumer Lending

Underwrite consumer loan requests, including but not limited to:

Personal loans

Auto loans

HELOCs and PLOCs

Cash-secured loans

Other consumer credit products

Review credit reports, income verification, debt obligations, and repayment capacity.

Calculate debt-to-income (DTI) and other underwriting metrics.

Structure loans and identify policy exceptions with supporting rationale.

Residential Mortgage Underwriting

Underwrite:

Portfolio mortgage loans

Construction-to-permanent loans

Analyze tax returns, W-2s, bank statements, and asset documentation.

Review appraisals, title reports, insurance, and collateral documentation.

Calculate LTV, DTI, residual income, and other qualifying ratios.

Apply portfolio underwriting and manually underwrite large and/or complex residential loans involving multiple collateral properties and borrowers with complex, sophisticated, and/or unique financials

Credit Risk Management

Assess borrower willingness and ability to repay.

Evaluate collateral adequacy and marketability.

Identify fraud indicators, credit weaknesses, and emerging risks.

Recommend approval, denial, or approval with conditions.

Compliance & Documentation

Ensure compliance with:

TILA

RESPA

HMDA

Fair Lending

ATR/QM requirements

Internal credit policy

Maintain complete loan files and documentation.

Communicate approval conditions and documentation deficiencies.

Collaboration

Partner with:

Loan Officers

Mortgage Originators

Credit Administration

Loan Operations

Appraisers

Closing Agents

Participate in loan committee discussions as needed.

• Champion Our Mission, Protect What Matters
• •Embody a commitment to environmental, social, economic, and racial justice.
• •Apply curiosity and interest in our core values and pursue education related to sustainability practices.
• •Be willing to pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• •Recognize the importance of protecting the organization and our customers.
• •Question suspicious activity and stay in close collaboration with our Compliance department to ensure proper investigation and processing of potentially fraudulent activity.
• •Stay informed on legal context and regulatory requirements and prioritize completing all web-based compliance and IT training.

What You’ll Leverage in this Role:

Education and Experience

Bachelor’s degree required, preferably in Finance, Accounting, Business, Economics, or related field

3-7 years of consumer and/or residential mortgage underwriting experience

Experience with conventional and portfolio mortgage underwriting.

Community banking experience preferred.

• Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You are an analytical thinker, possess the ability to complete assignments with little oversight and balance self-sufficiency with the understanding when to ask questions. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance.
• Organization & Efficiency- You manage your time like a pro and stay focused under pressure, You love a good system but also adapt to changing routines. You exhibit exceptional attention to detail while also maintaining the ability to see the big picture. You multitask with ease and continuously seek efficiencies to your process.
• Master Communicato r - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with stakeholders at all levels of the organization. Additionally, you are able to tactfully and eloquently defend your recommendations and build strong internal and external relationships that help you excel in your role.
• Banking & Fintech Acumen - You are highly educated in financial products and