Junior Underwriter

THE DART BANK•Lansing Charter Township, MI

10d•Onsite

About The Position

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

Requirements

Oral Communication Skills
Written Communication Skills
Customer Relations
Organization
Time Management
Computer literacy
College Degree preferred
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.

Responsibilities

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.