Overview: For more than 70 years, Northwest Federal Credit Union has provided valuable financial products and services for our members. Northwest offers employees a comprehensive benefits program including: medical and dental plans, paid time off, a generous 401k match, student loan assistance, parental leave, and the opportunity to grow professionally through a wide range of job-based, classroom and onlinetraining resources. Northwest Federal Credit Union has been recognized as a 2020 Top Workplace by The Washington Post and we believe that our success is built upon the excellence and achievement of our employees. Together, we serve and inspire to transform lives.The primary responsibility for Commercial and SBA Loan Underwriter will be to underwrite new and existing commercial loans, consisting primarily of C, CRE and SBA 7(a) loans. This person will be responsible for the preparation and presentation of new credit requests, conducting annual reviews and recommending approval or denial of each. The Commercial and SBA Loan Underwriter will input loan spreads, analyze financial statements and write a detailed credit memorandum supporting the credit decision.In addition, will partner with the commercial lenders to pre-screen requests, recommend increases, modifications, or provide a liquidation recommendation as-needed. This position will play an integral role in a growing department by efficiently underwriting and structuring credit facilities that meet the needs of the credit union while at the same time mitigating overall risk and exposure. Responsibilities: Prescreen credit requests to determine viability of the requestAdminister all phases of an annual review to include; the collection and analyzing of financial data, credit memo preparation and the documentation of the credit filesHave a strong understanding of financial ratios and interpretation of thoseBe able to assess the quality of the business assets pledged as collateral and understand the liquidation ramificationsReview credit reports and UCCs on an annual basis to ensure integrity of our lien and collateralEvaluate financial information provided by the borrower; cash flow analysis, personal and business tax returns and business financial statementsEnsure all credit recommendations are based on sound credit underwriting principles and in accordance with the existing MBL policyKnowledgeable helpful, but not required, of SBA SOP and 10 tab foldersMonitor loan covenants monthly, quarterly and annuallyInterview potential borrowers and go on joint calls with the Lenders as needed to determine viability of a requestPerform other duties as assigned by the Commercial Lending Portfolio Manager or Vice President of Commercial LendingRemain cognizant of and adheres to NWFCU policies and procedures as well as regulations pertaining to the Bank Secrecy Act (BSA) Qualifications: Bachelors Degree in business desiredMinimum of 5 years experience underwriting commercial or small business loans, with knowledge in C, CRE, SBA 7(a) and 504 credit reviewKnowledge of laws and regulations governing business and consumer lending practices as well as collection practices. EEO Notice: Northwest Federal Credit Union is an Equal Opportunity Employer and will consider all qualified applicants without regard to race, color, age, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, protected veteran status or any other classification protected by law.NWFCU complies with federal and state disability laws and makes reasonable accommodations for applicants and employees with disabilities. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact the Human Resources Department at 703-709-8900 or HRDepartment@nwfcu.org.