Wholesale Lending Mortgage Product & Credit Risk Analyst

Job Details Level Experienced Job Location Mortgage Division Office - Lansing, MI Position Type Full Time Education Level 4 Year Degree Job Shift Day Job Category Banking Description THIS POSITION IS ELIGIBLE FOR REMOTE WORK. Summary: 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. 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 self-sufficient, confident, and well organized with excellent prioritization skills. They are comfortable and can thrive in an ever-changing environment and take great pride in contributing to Dart Bank being an industry leader. The Mortgage Product & Credit Risk Analyst is a knowledgeable and well diversified individual. This role reports up through the Wholesale Lending Risk and Product Manager and will support the development and maintenance of The Dart Bank's Wholesale Lender Product Guide and related matrices. This role assists with updating internal and external materials, conducting research on investor guideline changes, answering guideline questions and helping to ensure compliance with bank and investor credit policies. This individual can work both independently and cohesively with others in a team environment. They maintain an attitude of approachability and willingness to assist in troubleshooting with customers, Dart Bank departments and 3rd parties as needed. Primary Duties:

• Mortgage Loan Product & Credit Guide Support:
• Assist in updating and maintaining the Credit Policy guidelines and related credit matrices under the guidance of senior leadership.
• Collaborate with internal teams to ensure product documentation is accurate and current.
• Prepare draft communications for product or guideline changes for internal and external stakeholders.
• Assist in answering guideline questions from the underwriting and sales team.
• Maintain subject matter expertise to support business partners with respect to credit policy and investor guide questions related to GSE, FHA, VA, and Private Investors.
• Risk & Compliance Monitoring:
• Monitor investor guidelines (GSE, FHA, VA, private investors) and summarize key changes for leadership.
• Conduct basic research and provide data to support product and credit policy recommendations.
• Cross-Functional Coordination:
• Help coordinate updates with operations, underwriting, and compliance teams to implement changes to products or credit guidelines.
• Track progress and follow up on deliverables for new product rollouts or updates.
• Back up Risk Analysts as needed, including Broker Approval Reviews, New User Set Ups, Settlement Agent Reviews and Data Entry.
• Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.
• Other duties as assigned.

Experience/Experience:

• 5-7+ years of related professional experience in the mortgage banking industry. Preferably past work experience includes underwriting, credit risk, quality control/assurance.
• Bachelor's degree in business administration, or equivalent experience.
• Expert knowledge of agency guidelines (Fannie Mae, Freddie Mac, FHA, VA).
• Knowledge of residential mortgage products, borrower credit, underwriting methods and standards, and the risks associated with using third-party providers in the mortgage origination process.
• Strong attention to detail, organizational skills, and ability to follow processes.
• Articulate and proficient in both written and verbal communication.

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.

Supervised By: Wholesale Lending Risk and Product Manager

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) 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 delivery exceptional customer service. We are a local business that cares about our employees and our community. The Company is committed to providing equal opportunity in employment 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"). Apply tot his job Apply To this Job