Sr. Mortgage Loan Processor

FLSA Status Non-Exempt 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 foster 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. 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. Communicate with borrowers and third parties to obtain loan documentation both verbally and via email. Communicate 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 banks 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 - To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed in this job description are representative of the knowledge, skills, and abilities required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position. Supervised by Mortgage Loan Manager Supervises None Management retains the discretion to change this job description at any time. Qualifications 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) Plan with Employer Matching Employee Stock Ownership Plan (Profit Sharing) 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. Technology & Workspace Requirements Dart Bank is committed to supporting flexible work arrangements when they align with business and position requirements. Remote and hybrid work are privileges that carry additional responsibilities and workspace requirements to ensure employees can effectively and securely perform their job duties. To support our technology and security standards, employees are required to have a modern smartphone capable of supporting company authentication and communication applications. Employees in remote or hybrid roles will be provided with a computer, monitors, docking station, keyboard, and mouse to perform their work. Employees must maintain a work environment that supports the effective performance of their job duties, including a reliable high speed internet connection with minimum speeds of 25 Mbps download and 5 Mbps upload. #J-18808-Ljbffr