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.

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.