Residential & Consumer Underwriter

About this role

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…