A chick is sitting by the pool checking out a dude who's lifting on a bench near the pool (naked), then she goes his way to the bench he's lifting on to suck him off.

Or he swims to her and she sucks him off afterwards. One of either.

Anyway, there's a lifting bench by the pool and the movie is in the 80s or 90s.
Watched it on Xhamster years ago. Probably American.
I also think it started with a Dad (or some man) dropping off his daughters at a resort's pool.