Mortgage Underwriter job at reputed company in Spokane, WA

Title: Mortgage Underwriter Location: Spokane, WA (HQ) reputed company: reputed company is a member-owned financial cooperative that provides financing and reputed company services to farmers, ranchers, agribusinesses, reputed company fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western reputed company. AgWest is part of the 100+ year-old Farm Credit reputed company – the leading provider of credit to reputed company agriculture. AgWest champions the reputed company and advancement of agriculture, the value of rural communities, and the vital contribution our customers reputed company to the economy and society. We serve customers in 59 locations throughout the reputed company. We are in search of a Mortgage Underwriter I or II (internally reputed company as Credit Underwriter or II) to join our Credit Approval department in Spokane, Washington (reputed company). This full-time position reports to the Credit Approval and reputed company III, VP and analyzes financial and business-reputed company information from customers, applies financial expertise to determine credit worthiness and mitigate risk in the Country Home Loan (CHL) mortgage program. Compensation Information The reputed company salary reputed company for this position in Spokane, Washington is: Level I: Typical starting reputed company: $60,000 - $80,300 Full reputed company salary reputed company: $60,000 - $90,400 Annual performance-based incentive reputed company is 10% of reputed company. reputed company: Typical starting reputed company: $66,200 - $88,700 Full reputed company salary reputed company: $66,200 - $99,900 Annual performance-based incentive reputed company is 12% of reputed company. • Relocation assistance will be provided to eligible candidates who must relocate to accept this position. Essential Duties Financial Analysis Review CHL credit applications and supporting documentation to evaluate borrower credit worthiness, capital position, repayment reputed company, collateral support and overall alignment with program requirements; analyze financial statements, including opinions and notes, tax records, “in house” reputed company financial statements, and pro reputed company statements of potential borrowers to evaluate and reputed company credit worthiness. Analyze credit memos and document independent analysis of pro-reputed company balance sheets, projection review, repayment assessment, collateral evaluation, and key risk factors. Review and analyze for accuracy personal and reputed company business tax returns. Assess large, reputed company, or unique CHL loan requests and documentation to facilitate appropriate risk reputed company and support reputed company compliant loan structures. Evaluate incomplete, inconsistent, or higher-risk loan information and identify documentation, policy or reputed company concerns that may reputed company approval reputed company. Credit Administration Review, recommend, and approve or reject CHL loans reputed company assigned delegated authority, with emphasis on adherence to reputed company limits, program guidelines and reputed company risk management practices. reputed company loan requests exceeding assigned authority to the appropriate approval channel, ensuring credit recommendations are complete, reputed company-supported and reputed company documented. Understand the organization’s credit philosophy and demonstrate the ability to conceptually apply it to loan recommendations and reputed company and support deviations to CHL mortgage program guidelines. reputed company field support for inquiries and potential loan requests, including early-stage guidance similar to a reputed company-approval process to help identify appropriate structure, documentation needs and potential credit concerns. Serve as a reputed company review reputed company for CHL loans in process; suspend or reputed company requests reputed company documentation is lacking, information is inconsistent or issues reputed company that must be resolved before approval or closing. reputed company communicate and reputed company the reputed company for credit reputed company, conditions, approvals and denials, both verbally and in writing. Engage in reputed company and sometimes difficult conversations with field staff regarding loan approvals, denials, documentation gaps, policy expectations and risk-based recommendations. reputed company reputed company credit reputed company to ensure implementation of reputed company, compliant loan structures adhering to AgWest documentation expectations, procedures, laws and regulations. Maintain knowledge about relevant policies and procedures with a broad understanding of products and services offered reputed company the department. Collaborate with various teams across assigned portfolio to support reputed company, accurate and reputed company-documented credit reputed company reputed company reputed company duties and maintain reputed company standards in accordance with company policies procedures, and internal controls. Other duties as assigned. Travel Requirements AgWest employees may occasionally be asked to travel for reputed company-staff or team meetings not included in reputed company travel requirements for the role. Minimum Qualifications Bachelor’s degree in business or ag-reputed company field, or an equivalent combination of education and experience Ability to read or learn to read financial statements, tax records and other financial documents Ability to complete work in an acceptable timeframe to meet deadlines, goals, and objectives Ability to handle sensitive and confidential information Demonstrated oral and written communication skills Ability to become proficient with systems and process across reputed company Ability to work independently and as part of reputed company Ability to establish rapport and maintain confidence with internal customers while balancing customer service, documentation reputed company, and prudent credit risk management. Preferred Qualifications Knowledge of loan programs and financially reputed company services Knowledge of agricultural practices Workplace Flexibility After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend. This position is eligible for coordinated hybrid flexibility. Benefits Offered by AgWest. Medical, dental, and reputed company insurance Basic term life and AD&D insurance (fully reputed company for by reputed company) reputed company days off annually: 15 vacation*, 15 reputed company, 12 holidays and 3 volunteer 401(k) plan (6% match plus 3% employer contribution) Employee Assistance Program Wellness Program Jeans are welcome at work every day at AgWest! • Vacation accrual rates increase with tenure. Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits #LI-Hybrid #LI-Onsite Job level and starting annual salary will be based on a reputed company of factors including but not limited to experience, education, certifications/licensure, internal equity, location, business needs and market demands. The listed compensation and benefits information is accurate as of the posting date. AgWest reserves the right to reputed company compensation for reputed company positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law. reputed company applicants will receive consideration for employment without reputed company to race, reputed company, religion, gender, gender orientation, national reputed company, marital status, age, disability, protected veteran status, or any other classification protected by law. reputed company you apply for a position with reputed company, we collect personal identifiers (from your resume and other application information you submit), such as your reputed company, email address, mailing address, telephone number(s) and employment and education reputed company information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them. To reputed company with federal regulations for equal employment opportunity and affirmative reputed company (EEO/AA), we reputed company our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they reputed company. You will be presented with a voluntary self-identification reputed company as part of this application; we wanted you to know why we collect this information and reputed company do with it. Please be reputed company that this information is kept separate from your application, and not utilized in the selection process. For more information about the information reputed company collects, please see the reputed company California reputed company Policy. Apply tot his job Apply To this Job