Mortgage Operations Specialist

Help Keep the Mortgage Process Moving

Bring your mortgage banking and disclosure desk experience to Sauk Valley Bank. As a Mortgage Operations Specialist, you’ll prepare mortgage disclosures, coordinate appraisals, and help get loan files ready for underwriting. You’ll work with the Mortgage Operations team and Mortgage Loan Originators to strengthen compliance, improve file quality, and support efficient workflows as Mortgage Banking grows. This position has no direct supervisory responsibility.

What You’ll Do

• Manage disclosures: Prepare and issue initial disclosures in accordance with TRID requirements, process Change of Circumstance requests and redisclosures, monitor compliance timelines, and maintain disclosure records.
• Coordinate appraisals: Order and track appraisals, coordinate with appraisal vendors, and monitor turnaround times.
• Support the loan pipeline: Review files for completeness and coordinate with originators, processors, underwriters, and closers.
• Prepare files for underwriting: Conduct preliminary reviews of income, asset, credit, and collateral documentation and identify deficiencies before underwriting submission.
• Improve processes: Support workflow efficiencies and Calyx Path optimization initiatives.

What You’ll Bring

• At least three years of mortgage banking experience.
• At least two years of disclosure desk experience.
• Strong knowledge of TRID, Loan Estimates (LE), Closing Disclosures (CD), Change of Circumstance requirements, and RESPA.
• Experience with a mortgage loan origination system (LOS).
• Strong communication and organizational skills, with a focus on compliance.

Preferred Qualifications

• Junior underwriting or underwriting support experience.
• Mortgage processing and appraisal administration experience.
• Familiarity with Calyx Path.
• Knowledge of investor and secondary market guidelines.
• Above-average knowledge of banking laws and regulations, including areas of regulatory expertise.
• Excellent organization and prioritization skills.
• Ability to perform duties with general supervision.

These qualifications describe the knowledge, skills, and experience generally needed for the role; individual abilities may allow for some variation.

Working in This Role

This role involves detailed document review, problem-solving, customer contact, reasoning, math, presentations, and verbal and written communication. You’ll use analytical skills while managing concurrent tasks, frequent interruptions, and work-related stress. Responsibilities must be performed safely.

Equal Opportunity Employer

Sauk Valley Bank is an Equal Opportunity Employer. SVB is committed to the provision of equal opportunity employment for all qualified persons in all job classifications in recruitment, selection and promotion without regard to race, color, religion, gender, gender identity, sexual orientation, parental status, national origin, age, disability, military status, veteran status or any other protected status. Submission of this information is voluntary and is not considered in employment decisions. This information will be kept separate from the employment files and is considered confidential.

Sauk Valley Bank offers medical, short term disability, long term disability, life, vision, dental and 401K benefits to all full time positions. PTO will vary depending on the level of the position. This position is/is not eligible for incentive.

Management reserves the right to change this position description at any time according to business needs.

Salary Range: $24.00 to $31.00 per hour depending on experience