About Us

Founded in 1967, Upper Northwest Financial Services Association continues in its purpose of promoting the availability and improvement of credit, by working with lenders to overcome barriers to offering loans.

Welcome to Upper Northwest Financial Services Association, a lenders’ partner in safely increasing the availability of credit.

Today’s quickly changing marketplace requires lenders to find and use new tools to help them compete.

From new security protections for small businesses to I.D. Theft protection for consumers, UNFSA provides resources not easily obtained without the buying power of a group and the expertise of 40 years navigating a changing financial landscape.

UNFSA has been advocating for the lending community since 1967.

Services

Note the following list summarizing the five main areas the Association programs have addressed over the years:

  1. Consumer Credit Protection Programs
  2. Credit Quality Improvement Programs
  3. Lender Strategic Planning
  4. New Capital Generation Programs
  5. Safety and Soundness Programs

Below is a letter from our president, Dirk J. Miller.

Read in his own words what Upper Northwest Financial Services Association is all about.

Read the Letter

A Letter From the President, Dirk J. Miller

This letter is to provide an overview of the mission and function of Upper Northwest Financial Services Association. First, our Articles of Incorporation charge us as follows: “The Association is formed to promote the welfare and advance the interests of the banking and lending industries and others engaged in the making of extensions of credit.” The Articles continue to clarify that this could include: “education, research, lobbying, advocacy, group purchasing of all forms of insurance for the benefit of members, and other acts incidental to the accomplishment of such purposes”.

The Association has, for the last forty years, chosen to focus on research, education, product creation and vendor vetting as the primary means by which an association can bring the greatest value to the membership. For example: programs (to assist lenders in improving credit quality within their borrower group, and) programs designed to create new capital are always needed by lenders.

Also, of concern, is the lack of security with Internet transactions. The transferring of cash from a traditional lender to a customer’s mobile device may pose a significant threat to the consumer’s funds and a significant threat to the traditional lender remaining the preferred payment clearinghouse in our society. Internet behemoths, such as Google, Facebook, and PayPal, are bidding to make their mobile payment platforms the “bank” of the future.

In support of traditional lenders, Upper Northwest Financial Services is constantly researching programs that will strengthen the lender’s relationship with their customer, and for them.

Please note the following list summarizing the five main areas the Association programs have addressed:

  1. Consumer Credit Protection Programs
  2. Credit Quality Improvement Programs
  3. Lender Strategic Planning
  4. New Capital Generation Programs
  5. Safety and Soundness Programs

If we can assist your bank we would be honored to do so.

Sincerely,
Dirk J. Miller
President

Nice to make your acquaintance!

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