West Town Payments Underwriting Support I

Description

1. JOB SUMMARY:

Underwriting Support will gather, obtain, and review various types of merchant applications. Once the file has been established, Underwriting Support will submit the file to the Underwriter for final review. Underwriting Support will be required to work closely with the Underwriter; consistently demonstrating the ability to make ethically sound decisions in the best interest of the department and for Dart Bank. Further, the individual in this role will be responsible for maintaining all policies and procedures set by the VP of Credit, West Town Payments, and Dart Bank.

II.     JOB DUTIES:

• Consistently conducts a thorough and comprehensive business and organizational review.
• Works collaboratively and cooperatively with other staff to complete the underwriting process.
• Assists the Risk team in ongoing investigations whenever necessary.
• Efficiently and effectively manages assigned tasks and meets all deadlines.
• Recommends process improvements and helps drive them down through the department. Supports and helps implement organizational initiatives.
• Ensures the security and confidentiality of private customer information. Protects against unauthorized access to or use of customer information that could result in harm or inconvenience to the customer.
• Exercises discretion and work independently to make judgements with respect to matters of significance, and to be able to discern items that can impact risk to the bank.
• Effectively manages expectations and changing priorities.
• Adheres specifically to all Bank policies and procedures, Federal and State regulations, and laws including the Bank Secrecy Act.
• Performs other duties as required.

      III.     JOB SPECIFICATIONS:

Education: A bachelor’s degree or equivalent relevant experience.

Skills:

• Strong verbal and written communications skills.
• Must be a creative thinker and proactive problem solver with a history of working efficiently and effectively, meeting deadlines and following projects through to completion.
• Must be organized and detail oriented.
• Strong computer skills; including a working knowledge of Microsoft.
• Office Suite as well as knowledge of computer systems as they relate to credit card processing.

            Experience:

• 2 years of recent underwriting experience required; 3 years of experience preferred.
• A broad understanding of the widely used and established underwriting principles within the credit card processing industry. A strong knowledge of credit analysis principles and pertinent laws. Excellent business, financial statement, collateral analysis, and research skills. Some knowledge of economic and accounting principles and practices, and the analysis and reporting of financial data.

IV.     ESSENTIAL FUNCTIONS:

Physical Demands/Work Environment Requirements:

Vision, hearing, speech, movements requiring the use of wrists, hands and/or fingers. Must have the ability to work approximately 40 hours per week to fulfill the essential functions of the position.

Mental Demands:

      Strong analytical skills and data-driven tactics will contribute to increased results-oriented experimentations, measurements, and rapid iteration across a wide variety of digital marketing strategies. Learning, thinking, concentration, the ability to influence, lead and interact well with others, the ability to exercise self-control, and to work under stressful conditions, particularly in customer and employee relations’ situations are necessary. Must have the ability to make decisions and exercise discretion when necessary.

  V.       SUPERVISED BY:

            VP/West Town Payments Risk Officer

 VI.      SUPERVISES:

            None

ABOUT WEST TOWN PAYMENTS

West Town Payments, division of Dart Bank is a provider of compliance-focused, technology-enabled payment processing solutions to merchants throughout the U.S. The Company offers a highly secure, comprehensive commerce platform for physical point-of-sale, online, contactless and mobile merchants. Through old- fashioned values centered around transparency and modern technology, West Town Payments is committed to implementing tailored payment solutions to targeted compliance-driven and traditional business verticals.

Dart Bank has an immediate opening for an Underwriting Support I position.  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”).