Capital Markets Senior Analyst

Summary: 

The Capital Markets Senior Analyst is a knowledgeable and well diversified individual who can serve in multi-faceted roles to support the Capital Markets team. This role reports to the VP/Director of Capital Markets and will be expected to exhibit leadership abilities to other members of the team. This individual can work both independently and cohesively with others while fostering a team environment. As a senior member of the team, they maintain an attitude of approachability and willingness to assist in troubleshooting with customers, Dart Bank departments and 3rd parties as needed.

Success in this role requires a high level of ownership, initiative, and accountability. The ideal candidate is proactive and forward-thinking, with a strong ability to navigate ambiguity and drive solutions. They are flexible and resourceful, balancing competing priorities while maintaining a high standard of organization and execution. With a continuous improvement mindset, they contribute innovative ideas and insights that enhance both team performance and broader business outcomes. They are comfortable operating in a dynamic environment and take pride in playing a meaningful role in advancing the Bank’s strategic objectives.

Primary Duties:

• Support the VP/Director of Capital Markets the management of Dart Bank’s mortgage loan pipeline from initial lock through investor purchase. This includes but is not limited to report management, analytics, and reconciliation of both locked and held for sale loan pipelines.
• Responsible for coordinating and managing activities related to loan sales including but not limited to developing Best Execution analytics which complement Dart’s hedging platform to optimize execution gains and while maintaining adherence to investor guidelines and stipulations (i.e. rep mix, affordable targets, etc.), commitment management, and purchase advice reconciliation.
• Responsible for administration of Dart’s hedging and product/pricing engine systems. This includes but is not limited to management of business rules, products, field mappings, general system settings.
• Participate in new investor and product development initiatives.  Responsible for updating systems to support proper pricing, valuation and salability of new products including but not limited to pricing analysis, systems testing, creation of commitment procedures, and coordinating with cross functional teams to support product implementation.
• Update existing or develop new reporting as needed. This includes analytical review of data for the purposes of maintaining data integrity, value attribution, as well as the identification and explanation of anomalies/variances.
• Create and maintain Competitive Insights to support profit margin recommendations.
• Maintain subject matter expertise of Dart’s pricing policies and lock desk procedures to mentor, train, troubleshoot, and back-up team members covering the mortgage division’s lock desks.
• Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.
• All other duties as assigned.

Skills:

• Extensive knowledge of residential mortgage products, pricing tactics, segmentation, and analytical acumen. 
• Experience with Loan Origination and Product/Pricing Engines. Direct experience with Encompass and Optimal Blue (preferred).
• Experience with hedging systems (QRM, Compass Point, Compass Edge, or Optimal Blue Secondary Services).
• Bachelor’s degree in business related field, or equivalent experience.
• Articulate and proficient in both written and verbal communication.
• Advanced Excel skills.
• Working knowledge reading/writing SQL and data visualization software experience (preferred).
• Strong written and verbal communication skills

Education/Experience:

• College degree or equivalent experience.
• 5 years of related professional experience in the mortgage banking industry.
• Previous work experience within the areas of pricing, hedging, loans sales, loan delivery, and best execution preferable.

Essential Functions:

• Must be able to perform the essential functions of this position with or without reasonable accommodation.

Supervises:

• None

Supervised by:

• VP/Director of Capital Markets

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”).  This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the United States. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so that you can begin to resolve the issue before this employer can take any action against you, including terminating your employment. This employer can only use E-Verify once you have accepted a job offer and completed Form I-9.