Mortgage Loan Officer

Career Opportunities with Sauk Valley Bank

A great place to work.

The Mortgage Loan Officer (MLO) is responsible for originating residential mortgage loans through relationship-based sales, referral development, and community engagement within an assigned market area. The MLO manages the loan relationship from initial borrower contact through application and underwriting submission, serving as the primary point of contact for borrowers, Realtors, attorneys, and referral partners.

This role works in close partnership with Processing, Underwriting, Closing, and Mortgage Operations to ensure loans are originated accurately, disclosed properly, and delivered efficiently while maintaining a high-quality borrower experience.

• Generate self-sourced mortgage loan applications through Realtors, builders, financial centers, community involvement, and other referral sources.
• Conduct borrower consultations to assess financial needs, explain loan options, and recommend appropriate mortgage products.
• Serve as the primary relationship manager for borrowers and referral partners throughout the loan origination process.
• Maintain strong communication with Realtors, attorneys, and other transaction participants to support timely closings.

• Complete and submit mortgage loan applications using the bank’s Loan Origination System (LOS).
• Collect, review, and validate borrower-provided documentation for completeness, consistency, and accuracy prior to submission to Processing.
• Ensure borrower information, loan terms, and application data accurately reflect borrower intent at time of application.
• Monitor applications and supporting documentation to identify red flags and mitigate potential fraud risk.

• Prepare and issue required initial and subsequent loan disclosures, including Loan Estimates, in compliance with TRID timing and content requirements.
• Maintain responsibility for the accuracy of disclosed loan terms, fees, and program selection based on information known at time of disclosure.
• Communicate changes in loan terms, fees, or structure promptly to Processing and Closing to ensure timely redisclosure when required.
• Partner with Processing and Closing to resolve disclosure-related discrepancies and tolerance concerns.
• Maintain documentation supporting disclosure decisions and changes.

• Actively manage assigned loan pipeline to ensure timely movement from application through underwriting and closing.
• Coordinate closely with Processors to resolve documentation needs and borrower follow‑up.
• Collaborate with Underwriters to clarify loan structure, conditions, and borrower scenarios.
• Support Closers by ensuring loan terms and disclosures accurately reflect final approved structure.
• Escalate complex or time‑sensitive files to Mortgage Operations leadership when appropriate.
• Maintain a working knowledge of the bank’s Loan Origination System (LOS) and related mortgage technology platforms.
• Stay current on LOS enhancements, updates, workflow changes, and new functionality impacting loan application, disclosures, and pipeline management.
• Participate in required system training and updates related to LOS enhancements.
• Apply new system functionality accurately to support disclosure compliance, data integrity, and operational efficiency.
• Escalate system‑related issues that may impact loan accuracy, disclosures, or borrower experience.

• Ensure all origination activities comply with bank policies and applicable federal and state regulations.
• Maintain accurate production, pipeline, and sales activity reporting.
• Meet or exceed minimum production standards and performance metrics established by management.
• Participate in audits, quality control reviews, and regulatory examinations as required.
• Represent the bank professionally in the community and marketplace.

• The position of the Mortgage Loan Officer is not responsible for the supervision of any employee(s).

• Bachelor’s degree is preferred…