Underwriter

Company: Canopy Credit Union
Location: Spokane
Posted on: March 17, 2023

Job Description:

Canopy Credit Union is looking for a driven individual to join our team as an Underwriter at our headquarters location! This position will allow a hybrid work schedule (in office and from home).

This position will play an important role in supporting the Canopy vision of growing a happier and healthier community through financial inclusion.

About Canopy Credit Union:

Canopy Credit Union is a Community Development Financial Institution (CDFI). We aim to help people in our community who have less than perfect credit. A person's credit score does not define them and Canopy recognizes that every person has a different story. The Canopy mission is to guide everyone towards solutions that lead to financial wellness.

Canopy has recently been named as one of the Best Credit Unions to Work For; coming in at #7 in the country!

These accolades are possible because of our commitment to our core values and creative community culture:
We embrace what makes us different: We honor everyone's' journey and welcome new ideas. We're a place where your story matters
Becoming is better than being: Growth happens when we try new things and don't allow the fear of failure to hold us back
Curiosity welcomed: We don't ask can we? rather, how can we?
Canopy serves: We believe that our level of success is directly proportional to how many lives we touch
Fun is who we are: We are a fun, playful, and hardworking family committed to the growth of each other, our members and our community
Key qualities in a candidate for this position: trust, ownership, innovation and purpose-driven

Serves as the primary centralized lending officer for consumer and mortgage loan decisions. Receives and evaluates member loan requests via Loans PQ. Acts as a resource for information regarding loan decisions, member loan inquiries, and company lending products and services. Responsible to grant or deny loans within limits assigned and to provide the highest quality of service to our members attempting to maximize the number of service relationships the member has with the organization. Serves as the secondary lending officer for indirect lending for loan decisions.

Major Duties and Responsibilities:
Receives member loan requests through Loans PQ, processes, evaluates and underwrites loan requests using judgment and discretion in making decisions to satisfy the member needs. Loans outside of guidelines or approval parameters are escalated to the Indirect Lending Manager, Director of Lending, or VP of Lending/Operations with a recommendation as to the loan decision for each loan.
Responsible for communicating loan decisions to Loan Officers including the ability to discuss loan denials, loan alternatives and rate computation in a clear, concise and courteous manner.
Completes post-closing loan follow-up activities, including balancing billings for mortgage insurance, credit reporting agencies, flood certifications, and title reviews.
Cross-services members on various organization lending products including ancillary products and other consumer loans.
Obtains and evaluates credit bureau reports, income documentation, collateral valuation reports, flood certifications, title information, and other factors relevant to the underwriting of consumer loans.
Recommends alterations or revisions to department policies and procedures as needed.
Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Other duties as assigned by the Indirect Lending Manager or VP of Lending.

Physical Requirements:
Requires the ability to remain on the phone for long periods of time.
Requires the ability to sit, or stand, for long periods of time.
Requires the ability to listen and communicate effectively.
Requires the ability to use fingers to feel and handle various objects.
Requires the ability to walk, reach, bend and lift various objects using arms, hands and legs.
Requires the ability to use arms and hands to operate various office equipment.
Requires the ability to use clear and close vision and adjust focus.

Canopy Credit Union is committed to building a diverse and inclusive community. We actively seek opportunities to recruit and hire qualified candidates with varying backgrounds including race, religion, sexual orientation, age, national origin, ancestry, citizenship, disability, and veteran status.
As a credit union, we acknowledge there is more work to do. We are committed to listening to the ideas and opinions of our minority community members, providing opportunities for staff to learn and grow, developing effective practices to continue promoting diversity and supporting local organizations that are actively engaging in social justice work.
At Canopy Credit Union, we strive to be an agent for change. We believe in the financial empowerment of our community, and we will continue serving you in the compassionate and kind manner you deserve.
Canopy Credit Union is an Equal Housing Lender and an Equal Opportunity Employer.

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Keywords: Canopy Credit Union, Spokane , Underwriter, Other , Spokane, Washington