Job DetailsLevel: ExperiencedJob Location: Mortgage Division Office - Lansing, MI 48912Position Type: Full TimeEducation Level: 4 Year DegreeTravel Percentage: NoneJob Shift: DayJob Category: BankingWholesale Lending Senior Mortgage Underwriter   THIS POSITION COVERS THE WEST COAST. EXPECTED WORKING HOURS ARE 11 AM - 8 PM EASTERN (8 AM - 5 PM PACIFIC). 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 and provide the best customer service possible.  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 ensure maximum customer satisfaction.  Underwriters are self-sufficient, confident, and accurate decision makers. They 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 customer first ensuring the highest loan quality.  Maintaining an attitude of approachability and willingness to assist in troubleshooting with customers and Dart Bank departments as needed.  They thrive in our ever-changing environment and take great pride in contributing to Dart Bank being an industry leader.   Primary Duties: Underwrite mortgage loan transactions as required.  Products determined by approved Underwriting authority. Run various AUS programs, review findings and clear conditions. Thorough understanding of underwriting fundamentals and able to implement changing regulations, guidelines and overlays to ensure quality transactions that meet all salability requirements. Review and analyze complex financial statements, personal and corporate tax returns. Review credit worthiness, assets, income, sale contracts, appraisal, title and supporting documents in accordance with agency and/or investor guidelines. Issue loan decisions (including adverse) in accordance with compliance regulations. Responsible for reviewing loan documentation provided by internal teams and external partners to ensure conditions are met and transaction meets program salability requirements. Prioritize workflow to meet deadlines, maintaining or exceeding established turn times and SLA. Perform due diligence on all borrowers, their employment and subject property and investigate loan transactions for any fraudulent activity. Execute an appraisal analysis to determine that acceptable collateral standards are met, while completing the necessary research to determine federal, state and company compliance. Assist post-closing/insuring with any additional documentation or requests-both internal and external. Responsible for adhering to all Quality Control/investor requirements including but not limited to timely response to audit requests. 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. Maintain strong knowledge and understanding of Agency and product requirements.  Continuing education is required. Responsible for following company policies and procedures as directed. Never employ workarounds to procedures or policies. Be relentlessly resourceful in finding answers and assist in creation of trainings, manuals and job aids as needed. Willing and able to assist mortgage teams with questions and training as needed. Maintain strong positive communication with all departments to develop cohesive working relationships. All other duties as assigned. Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.   Essential Functions: Use of hands or equivalent ability to complete required tasks. Vision or equivalent ability to complete required tasks. Strong communication skills and a positive attitude. Relationships with external contacts are vital, position involves extensive personal contact with outside sales partners, customer service is a top priority. Maintain positive relationship with sales partners (internal and Mortgage Brokers)—phone and email communication are required.     Skills: Consistency and Commitment                                                   Organization Ability to adapt to quick changes                                               Time Management Customer Service                                                                     Computer literacy   Education/Training/Experience: 5+ years of recent mortgage underwriting experience, proficient with AUS and appraisal reviews, encompass knowledge and agency guidelines expertise.  Experience in the wholesale market is preferred. Minimum Education Requirement: College degree or equivalent experience.   Reports to: Wholesale Lending Underwriting Manager   QualificationsDart 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 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”).