Shire Jobs

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. Maintai