Wondering what this is on my dogs back legs

Seen a few patches like this the last month on my 3yo spanish water dog and wondered whether it was something to be concerned about. As far as I can tell it doesn't cause her pain or discomfort and after a week or so it clears up so maybe dead skin? It seems too concentrated in areas to just be dead skin though. It kinda flakes away and leaves behind white skin underneath. Its definitely not mud but they are mostly around the lower stomach/groin/back legs which makes me think it might be some kind of bug like mites. I kinda expect a vet trip but would rather be a bit more informed first before going. Prefer to go in with a bit more than "dog, fix pls." Thanks in advance!

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