Junior Underwriter

Mortgage Junior Underwriter

Summary:

All Dart Bank team members take 100% ownership of their positions. They are proactive, flexible, courteous and resourceful. They have a “how can we make this work” mindset. They are innovative and creative in meeting the needs of their position and in offering ideas and solutions that will be of benefit. They are excellent at prioritization and organization to insure maximum customer satisfaction. Underwriters are self-sufficient, confident and accurate decision makers. They have the ability to work both independently and cohesively with others and foster a team environment. The focus of an underwriter is to provide sound risk evaluation of mortgage applications while always putting the client first. Maintaining an attitude of approachability and willingness to assist in troubleshooting with processors and Mortgage bankers is essential. They thrive in our ever-changing environment. The take great pride in contributing to Dart Bank being an industry leader in our markets

Primary Duties:

• Meet or exceed current production standards for a Junior Underwriter

• Review new file submissions and ensure accuracy in data and documentation.

• Review credit worthiness, assets, income, sale contracts, appraisal, title and supporting documents in accordance with agency and/or investor guidelines.

• Underwriting assignments daily to allocate work flow among underwriting team.

• Prioritize workflow to meet deadlines.

• Maintain or exceed established timeframes for workflow.

• Maintain spreadsheets for LTC file submission quality and completeness.

• Tracking of rush files for re-submissions to provide feedback to Processing manager.

• Suspense file management to ensure timely actions taken on suspended loans.

• Work closely with Underwriters, loan transaction coordinators and processors to find solutions as needed.

• Perform due diligence on all borrowers, their employment and subject property and investigate loan file for any fraudulent activity.

• Pre-Underwrite all modification files and review for follow up submissions and final CTC.

• Assist post-closing with any additional documentation or clarification required by investor at purchase.

• Actively participate and advocate the bank’s training and development programs and commitment to learning.

• Excellent verbal and written communication skills with the ability to handle delicate situations with diplomacy and tact.

• Adaptability and Candor: You will be working with some of the newest technology in the mortgage industry. As it evolves, we will ask you for your feedback to improve our products.

• Maintains strong knowledge and understanding of Agency and Investor requirements along with compliance issues.

• Responsible for following company policies and procedures as directed. Never employ workarounds to procedures or policies

• Be relentlessly resourceful in finding answers.

• All other duties as assigned.

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

Essential Functions:

• Use of hands

• Vision

• Communicate verbally

Skills:

• Oral Communication Skills

• Written Communication Skills

• Customer Relations

• Organization

• Time Management

• Computer literacy

Education/Training: College Degree preferred

Experience: 3 to 5 years of prior mortgage loan processing experience including experience with web based automated underwriting systems, loan origination systems and working with correspondent lenders preferred.

Reports to:

Mortgage Loan Manager

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 delivery exceptional customer service. We are a local business that cares about our employees and our community.

The Company is committed to providing equal opportunity in employment 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”).