Underwriter
Company: Canopy Credit Union
Location: Spokane
Posted on: March 17, 2023
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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.
PI203648677
Keywords: Canopy Credit Union, Spokane , Underwriter, Other , Spokane, Washington
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