Dart Bank · 2 months ago
Wholesale Lending Sr. Underwriter
Lansing, MI, USA
Full-time
Onsite
Senior Level
5+ years expDart Bank is a community bank specializing in providing financial services since 1925. The Wholesale Lending Sr. Underwriter is responsible for evaluating mortgage applications, ensuring compliance with regulations, and maintaining high loan quality while delivering exceptional customer service.
BankingCommunitiesFinancial Services
Responsibilities
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
Qualification
Required
5+ years of recent mortgage underwriting experience, proficient with AUS and appraisal reviews, encompass knowledge and agency guidelines expertise
Minimum Education Requirement: College degree or equivalent experience
Excellent verbal and written communication skills with the ability to handle delicate situations with diplomacy and tact
Strong knowledge and understanding of Agency and product requirements
Ability to adapt to quick changes
Customer Service
Computer literacy
Consistency and Commitment
Organization
Time Management
Preferred
Experience in the wholesale market is preferred
Benefits
Medical Benefits
Dental
Vision
401(K) Employee Stock Ownership Plan
Paid vacation & sick time
Flexible scheduling
Employee Assistance Program
Dart Bank University
Company
Dart Bank
Dart Bank is a primary purpose to meet the financial needs of its banking communities. It is a sub-organization of Dartbank Wealth.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$0.99M2020-10-08Seed· $0.99M
Leadership Team
Bill Hufnagel
President/CEO
Peter Kubacki
Retired President and CEO. Member of the board of directors.
Recent News
2025-06-30
GlobeNewswire News Room
2023-09-09
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