Description

Job Summary:

Manages day to day tasks of Secondary dept. including Lock Desk and Funding. Prioritizes workload to meet changing deadlines. Great attention to detail and follows instructions. Great communicator. Adapts to changes in technology and processes. Has the ability to work both independently and cohesively, as varying job duties require.

Responsibilities:
 
1. Policy, procedure, job aid, and training material creation and updates.

2. Responsible for monitoring and accepting lock and change requests via Optimal Blue in a timely manner.

3. Responsible for monitoring and responding to incoming Lock Desk emails and calls, including but not limited to answering questions, assisting with lock and change submissions, and troubleshooting when problems arise.

4. Maintain a high-level knowledge of loan products offered.

5. Have a thorough working knowledge of Lock Desk policies and procedures.

6. Train new employees on Lock Desk policies and procedures.

7. Monitor funding request email inbox and complete funding general ledger entries in a timely and accurate manner.

8. Research and correspond with closers and/or title companies to resolve discrepancies in closing funds sent or received, including follow-up until a resolution has been reached.

9. Issue funding, post-closing and miscellaneous checks or wires, as requested.

10. Responsible for reconciliation of purchased loans, including resolving any pricing discrepancies with investors.

11. Responsible for monitoring the mortgage insurance pipeline, including activation after closing and review of expiring commitment reports.

12. Research and resolve mortgage insurance discrepancies with insurance companies and loan servicing department.

13. Monitor general ledger accounts and work with loan servicing and accounting to make corrections as needed.

14. Assist with committing and delivery of loans for purchase.

15. Maintain a high degree of confidentiality.

16. Ability to prioritize day with flexibility to meet required deadlines.

17. Understand and follow all regulatory compliance policies and procedures.

18. Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act. 

19. Other duties as assigned.

Essential Functions:

1. Use of hands
2. Vision
3. Communicate written and verbally

Skills:
Strong analytical skills and attention to detail, catches on quickly, works well under time constraints, follows instructions, working knowledge of Microsoft Word and Excel, ability to use web-based systems, strong interpersonal and verbal communication skills, ability to perform basic math including percentages, ratios, and prorations in practical situations, demonstrated ability to solve practical problems, strong organizational and communication skills, ability to work independently, self-motivated.

Education/Training:
Minimum of high school diploma

Experience:
2 years prior mortgage and/or accounting work experience preferred, Encompass, Optimal Blue, and/or Polly experience also preferred 

Supervised by:
VP/Director of Capital Markets

Qualifications

Dart Bank is a community bank, serving our community since 1925. We specialize in providing financial services, but we are passionate about serving the community and building real relationships with people. Dart Bank provides innovative financial services for both personal and business banking, consumer and mortgage loans, commercial loans and lines of credit, merchant credit card processing, investment services and more. Our array of products and services and our longstanding history within our communities shows we care about what matters most for our customers and we are there for them for the most important times in their lives. Dart Bank. For What Matters Most.
 
We offer:
• Medical Benefits
• Dental
• Vision
• 401(K) Employee Stock Ownership Plan
• Paid vacation & sick time
• Flexible scheduling
• Employee Assistance Program
• Dart Bank University
 
At Dart Bank you can expect to be surrounded by a team that will support you and invest in your growth in a quick-paced work environment where we deliver exceptional customer service. We are a local business that cares about our employees and our community.
 
Dart Bank is committed to providing equal opportunity in employment, maintaining a diverse workforce, and prohibiting all forms of unlawful discrimination and harassment.
 
All employment decisions, policies, and practices, in terms of the recruitment process and other conditions and privileges of employment, will comply with applicable federal, state, and local anti-discrimination laws. The Company seeks, employs, promotes, and compensates qualified individuals based on ability, as demonstrated by performance and other legitimate non-discriminatory factors, without regard to race, color, religion, national origin, citizenship, ancestry, sex (including sexual orientation, gender expression, and gender identity), age, physical or mental disability, pregnancy, genetic information, military status, veteran status, or any other protected status under federal, state (in Michigan: marital status, familial status, height, weight, and misdemeanor arrest record), or local law (individually and collectively, “Protected Class”).