Wholesale Lending Disclosure Analyst

Job 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. Disclosure Analysts are self-sufficient, confident, and accurate decision makers. They work both independently and cohesively with others and foster a team environment. The focus of a Disclosure Analyst is to ensure accurate and compliant disclosure documents and decisions. 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.

Job Duties

• Monitors the mortgage pipeline to ensure compliant and timely disclosures & redisclosures.
• Audits the loan file to ensure accurate and complete loan disclosures are being sent to the client.
• Maintains a working knowledge of all regulations as it relates to the disclosure process including but not limited to TRID and HMDA.
• Manages the redisclosure process for accuracy, compliance, and timeliness.
• Work with title, escrow, settlement agents and attorneys to facilitate the closing of a residential mortgage loan.
• Maintains a working knowledge of all loan programs and their required and allowable fees.
• Maintains a working knowledge of compliance engine to provide solutions to cure warnings, fails, and other error messages to ensure state/regulatory compliance.
• Assist post-closing/insuring with any additional documentation or requests—both internal and external.
• Review for completeness and accuracy all Denials or Withdrawals. Post the denial letter as needed.
• Report on any adverse issues to the Mortgage Banking Operations Manager to ensure compliance with Federal guidelines.
• 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 the creation of training 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.
• 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

• Education
  • College degree preferred, or equivalent experience.
• Skills
  • Consistent and dependable.
  • Well-organized.
  • Adaptable to fast-changing environments.
  • Strong time management skills.
  • Customer service focused.
  • Computer proficient.
  • Must be proficient with mortgage loan documentation and preparation of closing documents.
  • Strong communication skills and a positive attitude.
  • Able to build and maintain strong relationships with external contacts are vital, position involves extensive personal contact with outside sales partners, customer service is a top priority.
  • Able to maintain positive relationships with sales partners (internal and Mortgage Brokers)—phone and email communication are required.
• Experience
  • 2+ years of recent mortgage operations experience in mortgage disclosures or its equivalent.
  • Must be proficient with mortgage loan documentation and applicable regulatory compliance.
  • Experience with Encompass, Mavent, and in the wholesale market is preferred.

Supervised by

• Wholesale Lending Closing/Disclosure Manager

Supervises

• None

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) 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, 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 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”).  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.