Mortgage Operations Specialist II

Position:Mortgage Operations Specialist II

Location: Auburn, IN

Remote Status: On-Site

Job :225

# of Openings:1

Community State Bank is seeking a Mortgage Operations Specialist to join our team of Mortgage/Consumer Loan Operations professionals in our Auburn, Indiana office.

Job Title: Mortgage Operations Specialist II

Reports To: Mortgage/Consumer Loan Operations Manager

Division: Loan Operations

FLSA Classification: Non-Exempt

Pay Rate: Hourly

Position

Purpose:

The Mortgage Operations Specialist II supports the end-to-end mortgage lending workflow from application and initial disclosures through underwriting, closing, funding, and post-closing. This position coordinates borrowers, lenders, title companies, attorneys, insurers, investors, and internal partners, maintains accurate and complete loan files, and helps loans move through the pipeline within required service, quality, investor, and regulatory timelines. This role also supports shared Loan Operations responsibilities and serves as a resource for less experienced team members.

Education: High school diploma or equivalent required.

Experience: At least three (3) years of mortgage lending, loan processing, and/or closely related loan operations experience required. Prior mortgage closing experience is strongly preferred.

Skills: Proficiency with Microsoft programs such as Outlook, Word, and Excel; proficiency with Adobe Acrobat Pro and Docusign; ability to learn Bank, loan origination, and investor systems; strong organization, prioritization, and time-management skills, with the ability to manage multiple files and meet firm deadlines; consistent attention to detail, accuracy, sound judgment, and analytical thinking skills; excellent written and verbal communication skills with a professional, service-oriented approach;

ability to work independently, collaborate across functions, adapt to changing priorities, and resolve routine issues within established guidelines; ability to type at least 40 words per minute.

• Commit to learning, integrating, and modeling CSB’s ‘I CREATE’ core values:
  Integrity, Communication, Respect, Encouragement, Accountability, Trust, and Equality.
• Align to bank-wide vision, mission, and business objectives.
• Commit to continuous personal and professional growth in the areas of teamwork, client service, and job specific competencies.

• Prepare initial disclosures for applicable loan types within required regulatory time frames.
• Compile, review, and organize borrower and loan documentation for underwriting submission; identify missing or inconsistent information and coordinate timely resolution.
• Order, track, receive, and appropriately review third-party documentation, including title, appraisal, property and flood insurance, and other required items.
• Register secondary market loans in applicable investor systems and support each file through approval in accordance with investor requirements.
• Work with lenders, borrowers, underwriters, and other parties to clear conditions and obtain documentation needed for timely loan approval.
• Perform basic analysis of financial information as needed to support underwriting and loan decision processes.

• Manage assigned loans in process and continually monitor status, deadlines, and outstanding items to support expected closing dates.
• Communicate directly with borrowers on the lender's behalf to obtain documentation and provide clear status updates throughout the process.
• Coordinate with lenders, borrowers, title companies, attorneys, Realtors, insurance agents, processors, underwriters, and investors regarding changes, requirements, or…