Job DetailsLevel: ExperiencedJob Location: Mortgage Division Office - Lansing, MI 48912Position Type: Full TimeEducation Level: 4 Year DegreeTravel Percentage: NoneJob Shift: DayJob Category: BankingWholesale Lending Senior Mortgage Underwriter THIS POSITION COVERS THE WEST COAST. EXPECTED WORKING HOURS ARE 11 AM - 8 PM EASTERN (8 AM - 5 PM PACIFIC). 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. Maintain positive relationship with sales partners (internal and Mortgage Brokers)—phone and email communication are required. Skills: Consistency and Commitment Organization Ability to adapt to quick changes Time Management Customer Service Computer literacy Education/Training/Experience: 5+ years of recent mortgage underwriting experience, proficient with AUS and appraisal reviews, encompass knowledge and agency guidelines expertise. Experience in the wholesale market is preferred. Minimum Education Requirement: College degree or equivalent experience. Reports to: Wholesale Lending Underwriting Manager QualificationsDart 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 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”).

Location: Remote Reports to: Principal / Investment Lead SIP Ventures is a New York-based real estate development and investment firm executing high-conviction strategies within the residential real estate sector through programmatic joint ventures. The firm focuses on acquiring and developing townhome and multifamily communities across the Southeast and Northeast United States. With an active deal pipeline and a lean, technology-forward approach to underwriting and operations, SIP Ventures is building out a high-performance analytical team to scale with the business. Role Overview The Sr. Real Estate Underwriting Analyst supports SIP Ventures' development and acquisitions platform through financial underwriting, deal analysis, market research, and investor communications. This is a thinking-oriented, execution-focused role. The right person does not just plug numbers into models — they understand what the numbers mean, catch errors before they matter, and communicate findings clearly to partners. This is not a passive data-entry position. Success is measured by analytical judgment, output quality, and the ability to operate with increasing independence. Core Responsibilities Underwriting & Financial Modeling - Input deal assumptions into existing underwriting models and tailor them by geography and asset type - Validate outputs and proactively flag results that don't make sense - Stress-test assumptions and interpret return metrics in context - Support deal flow processing across multiple active opportunities simultaneously Market Research & Deal Analysis - Research market-level assumptions (rents, costs, comps, supply/demand dynamics) for each deal - Synthesize findings into clear, structured inputs for the underwriting model - Identify when assumptions are off-market and recommend adjustments Investor Materials & Presentations - Translate underwriting outputs into concise investor memos and PowerPoint presentations - Prepare deal summaries for investor partners with clean visuals and clear narrative - Support longer-form presentation materials as needed Workflow & Process Support - Maintain deal pipeline documentation and file organization - Leverage AI tools (e.g., Claude, ChatGPT) to accelerate research and drafting tasks - Contribute to improving internal workflows and analytical processes over time Required Qualifications - 3–5 years of experience in US commercial or residential real estate underwriting, acquisitions, or financial analysis - Strong Excel skills — advanced formulas, financial modeling, assumption-driven analysis - Ability to interpret model outputs, not just build or populate them - Strong written English — capable of drafting investor-facing memos and presentations - Solid research skills and comfort working with market data - High attention to detail and deadline discipline Ideal Profile - Conceptually strong in real estate — understands the asset class, not just the spreadsheet - Analytical and intellectually curious — asks "does this make sense?" before submitting - Clear communicator in writing and presentation format - Comfortable working independently in a fast-moving, lean team environment - Bonus: familiarity with AI tools; technical or engineering background is a strong plus Growth & Development This is a foundational hire for a growing platform. As the analyst builds trust and demonstrates strong judgment, there is a clear path to taking on greater ownership across deal evaluation, investor communication, and process architecture — including contributing to SIP Ventures' evolving tech and workflow infrastructure. High performers will have meaningful exposure to live transactions and direct access to senior decision-makers within an active programmatic JV platform. Working Hours Full-time role with preferred overlap with US Eastern Time business hours. Flexibility for the right candidate — partial overlap (at minimum) is required for real-time collaboration. What We Offer - Full-time remote position (Monday–Friday, 8 hours/day) - Remote work from any city with reliable internet and ability to align with US Eastern Time - Direct exposure to live US residential real estate development and investment transactions - Opportunity to grow within a lean, high-performance team at an early stage — your work will be visible and impactful from day one Application deadline: March 21, 2026. Please note that the later you apply — the more intensive your selection process will be, for example, you will have less time for the test assignment, etc. - Fill in the application form — attach your CV - Have a Zoom interview with a Hire5 Recruiter - Have a Zoom interview with Sherzod Ibragimov, the Founder - Take-home financial modeling assignment - Get hired! Hire5 provides aspiring talents worldwide with remote opportunities to enhance their careers in Silicon Valley startups and other US-based companies. Interested in joining one of the most promising US startups? Press here to apply now or click "connect" oncareer.hire5.co to subscribe for future opportunities in your desired profession!

Summary: The Processor, Loss Mit will underwrite for loss mitigation options - all workout types on all loan types. It will be necessary for the processor to have experience in Full Doc Conventional, VA and FHA loan processing. Other duties may be assigned. Essential Job Duties and Responsibilities include: - Must have experience in Mortgage Loan Processing of Full Document loans (FHA, VA, CONV and USDA) - Initiates and maintains contact with customers throughout the processing period, assisting them with any questions and notifying them of any additional information needed. - Verify loan documents including income, assets, credit, appraisal and title insurance. - Verifying application for final submission to underwriting. - Input proper loan information into the system for processing. - Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy. - Submits loans through DU and orders and follows up on any outside services such as credit reports, title - Satisfies conditions and ensures documentation meets requirements - Monitors loans in process to determine any deviation from standard processing time and to take appropriate actions including notifying the manager for alternatives to ensure timely service - Sets and maintains proper expectations to all parties - Establishes accurate closing date and monitors promised closing dates to meet those established. Meets standards for closing percentages of loans processed - Performs final review of the completed application packages and prepares the file for approval, specifying any applicable conditions to the approval - Notifies the customer of the underwriting decision - Prepares, if applicable, the "Decline Letter" and ensures accurate disclosure of the reason(s) for the adverse action at whatever time during the processing period it is determined that applicants do not qualify - Researches problems and files documents as required - Must be familiar with Loss Mitigation options - Must be knowledgeable in Mortgage Servicing - Analyzes applicant information to determine whether the client is likely to qualify for the desired loan - Assists customers with taking the initial loan application - Is responsive to customer needs and expectations. - Ensures exceptional customer experience by overseeing the loan process from application to close and providing on-going communication to customers and business partners - Maintain regular and punctual attendance Other Related Duties: Performs other related duties as assigned. Supervisory Responsibilities: This position has no supervisory responsibilities. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Education and/or Experience: - High School degree, or equivalent, required. Higher degree preferred. - Minimum 5 years of mortgage loan processing. - Detailed knowledge of FHA, VA, Conventional, USDA. - General tax returns knowledge. - Must be proficient with the calculation of income and assets. - Current Mortgage Loan Processing knowledge and background required. - Read, interpret and apply applicable laws, rules, regulations and/or policies and procedures. - Demonstrate interpersonal, organizational and time management skills. - Accurately document all information pertaining to accounts. - Ability to solve problems. - Encompass experience preferred but not required. - MS Office proficient Certificates, Licenses, Registrations: - Must have NMLS and SAFE, UST preferred. - Must have State Licensing - Must have at least 1 active licenses Language Skills: Ability to read and interpret documents such as policy and procedure manuals, safety rules, operating and maintenance instructions. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of the organization. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations Reasoning Ability: Ability to solve practical problems and solve a variety of concrete variables in situations where only limited standardizations exists. Ability to intemperate a variety of instructions furnished in written, oral, diagram, or schedule form. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Customer Service Relationships: Assesses and diffuses problem situations and requires influencing others to reach consensus. Requires tact and diplomacy to handle difficult customer relationships. Explores alternatives and creative solutions to meeting the needs of customers. Work Complexity: Tasks are multiple and diverse with some interrelationship across processes. Work requires the direct application of a variety of procedures, policies and/or precedents. Work Environment: Work is normally performed in a typical interior work environment which does not subject the employee to any hazardous or unpleasant elements. Equal Employment Opportunity: Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act: Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities: The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.

Summary The Underwriter, Loss Mit I is responsible for the underwriting of loss mitigation options for all workout types on all loan types. Will need to maintain and acquire any licensing requirements. Essential Job Functions: - Must be in compliance of established timelines and quality decisions for each file assigned. - Preferred to have underwriting experience. - Must be familiar with mortgage documents. - Must be familiar with financial documents. - Must be able to communicate effectively with customers. - Maintain regular and punctual attendance. Other Related Duties: - Performs other related duties as assigned. Supervisory Responsibilities: This job has no supervisory responsibilities. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. Education and/or Experience: - Bachelor’s Degree from a Four (4) year College or University - One (1) to two (2) years related experience and/or training Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Mathematical Skills: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Certificates, Licenses, Registrations: None required Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Employment Opportunity Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities The following statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.