Sr. Mortgage Loan Processor

Job Summary All Dart Bank team members take 100% ownership of their positions. They are proactive, flexible and resourceful. They are innovative and solution‑orientated 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 excellent customer satisfaction. A Processor works both independently and cohesively with others and fosters a team environment. They work as a team to ensure best practices, efficiencies and ideas are shared. They thrive in our ever‑changing environment. They take great pride in the work they do as it contributes to Dart Bank being an industry leader in our markets. Ability to work standard business hours aligned with Eastern or Central Time Zones. Job Duties Be fully engaged and consistently look for improvement measures and solutions to issues that hinder your ability to be successful. Processes residential mortgage loans for all programs offered by Dart Bank in a quality consistent with all company policies and procedures as well as meeting all regulatory requirements. Maintains a pipeline of loans and is responsible for the timely and compliant flow of such loans through the process. Contacts all borrowers within 24 hours of receiving the file to introduce yourself and request outstanding documentation. Obtains and reviews necessary loan documentation and updates Encompass as needed prior to submitting to Underwriting for loan approval. Monitors and ensures closing dates and company deadlines are met. Responsible for following company policies and procedures as directed. Never employ workarounds to procedures or policies. Communicates with buyers, sellers, title companies, builders and agents. Communicates with borrowers and third parties to obtain loan documentation both verbally and via email. Communicates with Mortgage Bankers and their assistants to ensure the processing and underwriting components are completed in time to meet the closing date. Obtains and verifies that all underwriting conditions are received, reviewed, and cleared by the underwriter, and prepares the file for submission to the Closing Department. Identifying and resolving any discrepancies with data entry and or documentation received. Provides excellent customer service by effectively communicating and cooperating with all internal and external customers. Keeps abreast of changes in policies and procedures, standards and regulations applicable to the company and the mortgage industry. Able to manage high volume of activity and maintain production goals. 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. Excellent verbal and written communication skills with the ability to handle delicate situations with diplomacy and tact. Actively participate and advocate the bank’s training and development programs and commitment to learning. Effective and timely communication with the Underwriter regarding any changes made to the loan file. Responsible for date integrity, completeness, accuracy, timeframes and effectively manage efolder/conditions. Bring any issues to management/team lead as soon as they arise. Work as a team to ensure best practices, efficiency and continuous brainstorming of ways to improve. Responsible for following company policies and procedures as directed. Never employ workarounds to procedures or policies. Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act. All other duties as assigned. Essential Functions Must be able to perform the essential functions of this position with or without reasonable accommodation. Qualifications Skills Strong written and verbal communication skills Well‑organized Strong time management skills Strong customer relations skills Computer proficient Education Minimum of high school diploma, college degree preferred. Experience 3 to 5 years of prior mortgage loan processing experience. Experience with web based automated underwriting systems and loan origination systems, including Encompass (required) and Blend (preferred). Experience working with correspondent lenders is preferred. Government lending experience preferred but not required. Supervised by: Mortgage Loan Manager Benefits Medical Benefits Dental Vision 401(K) Employee Stock Ownership Plan Paid vacation & sick time Flexible scheduling Employee Assistance Program Dart Bank University 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 nondiscriminatory 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. #J-18808-Ljbffr