Renewable Energy 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 the Climate First Bancorp Holding Company, we are proud to be powered by our subsidiary OneEthos, which operates at the intersection of fintech and traditional banking to accelerate access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it empowers 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.

Now Hiring: Renewable Energy Underwriter

We’re seeking a Renewable Energy Underwriter that is responsible for underwriting and credit analysis of renewable energy and sustainability-focused financing, including solar, energy storage, and energy efficiency projects. The role supports mission-driven growth while ensuring strong credit quality, regulatory compliance, and adherence to internal credit policies.

The ideal candidate brings strong financial analysis expertise along with knowledge of renewable energy project structures, cash flow modeling, and industry-specific risks.

Thrive at Climate First Bank

At Climate First Bank, we invest in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.

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 You’ll Contribute as a Renewable Energy Underwriter

Renewable Energy Credit Underwriting & Deal Evaluation

• Underwrite construction, term, and bridge financing for renewable energy projects including solar, storage, and energy efficiency.
• Analyze borrower and sponsor financias, tax returns, cash flow, and global debt service coverage.
• Evaluate project-level economics, including PPA and off-take agreements, incentive structures (e.g., tax credits), operating assumptions, collateral, guarantees, and overall credit structure.

Risk Assessment, Documentation & Credit Governance

• Identify and assess key project risks, including construction, technology, regulatory, counterparty, and performance risk.
• Prepare clear, well-documented credit memoranda with risk mitigation strategies.
• Ensure compliance with internal credit policy, underwriting standards, and regulatory requirements.
• Participate in credit committee discussions and respond to senior credit leadership inquiries.

Portfolio Monitoring & Ongoing Credit Management

• Monitor portfolio performance and support annual reviews, renewals, and covenant compliance.

Champion Our Mission, Protect What Matters

• Embody a commitment to environmental, social, economic, and racial justice.
• Apply interest in our core values and pursue education related to sustainability practices.
• Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• Protect the organization and its customers by identifying and escalating suspicious or fraudulent activity in collaboration with appropriate teams.
• Maintain working knowledge of applicable laws, regulations, and Bank policies; complete all required compliance and IT training.

What You’ll Leverage in this Role:

Experience & Education

• Bachelor’s degree in finance, accounting, economics, or a related field.
• 3-7+ years of commercial credit underwriting or project finance experience.
• Preference for renewable energy, infrastructure, or solar, storage, wind, or energy efficiency financing.
• Knowledge of tax equity, PPA structures, and renewable energy incentives preferred.
• Experience working in a mission-driven or values-based financial institution strongly preferred.

Entrepreneurial Self-Starter Mentality - You own your work product and consistently deliver high-quality, measurable results. You apply strong financial statement analysis and cash flow modeling skills to underwrite complex commercial or project-based loans efficiently and with limited supervision. You thrive in a fast-paced, high-expectation environment and are motivated by continuous growth.

Master Communicator - You communicate with clarity, confidence, and professionalism across in-person, virtual, and written channels. You listen actively, respond thoughtfully, and engage effectively with stakeholders at all levels while building strong relationships and influencing sound decisions.

Banking & Fintech Acumen- You bring strong knowledge of financial products, regulations, and underwriting best practices, along with the ability to interpret complex financial reports and business structures.

Tech-Forward and Analytical Thinking - You adopt new tools quickly and leverage technology to improve efficiency and streamline underwriting.

Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You’re dependable, communicate clearly and always happy to lend a hand where needed.

What to expect from your physical environment

• Remote role within the United States; Eastern Standard Hours.
• Occasional U.S. travel for company events or leadership sessions.
• Sustained standing and sitting.
• Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor.
• Occasional lifting up to 20 lbs.

What to expect from the hiring process:

Our process follows the Topgrading Methodology — we hire A-Players through a structured, transparent process.

• Credit and background checks conducted upfront.
• 3 conversation stages with key team members. We welcome questions and dialogue!
• Cognitive and personality assessments, as well as in-depth application spanning your full education and work history.
• Final Step: Connect us with former mentors and managers for brief reference chats.

HOW TO APPLY: Apply through the official application link. Resumes sent via unofficial channels may be delayed or not reviewed. All applicants receive confirmation upon submission. Due to high volume, processing times may vary. We will email or text updates throughout the process.

Equal Opportunity Statement:

At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans

E-Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can being to resolve the issues before the employer can take any action against you, including terminating your employment.

Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.