Mortgage Loan Processor

The Commercial & Savings Bank (CSB) has been an independent community bank for 145 years, with 17 locations across Holmes, Medina, Stark, Tuscarawas, and Wayne counties. CSB is recognized as a top employer in our region as a nine-year winner of the North Coast 99 award (www.northcoast
99.org), which recognizes the 99 best employers for top talent in Northeast Ohio.

This is a full-time, on-site position at our Operations Center, located in Millersburg, Ohio or at a Banking Center, once successfully trained. In addition to a competitive base wage, CSB offers a wide variety of employee benefits listed below.

Summary: The Mortgage Processor is responsible for managing the documentation and processing of mortgage loans from initial disclosure through final underwriting and closing. This role ensures loan files are accurate, complete, and compliant with regulatory and investor requirements. Key responsibilities include entering loan information into origination systems, ordering and tracking legal and appraisal documents, preparing files for underwriting, assisting with loan closings, and supporting secondary market activities.

The Mortgage Processor works closely with lenders, underwriters, and other internal teams to maintain efficient workflows and deliver excellent service. A strong commitment to organizational values, attention to detail, and the ability to manage multiple priorities are essential for success in this role.

Essential Functions: Essential duties and responsibilities include the following; however, other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Loan Disclosure and Data Entry

• Enter loan disclosure information into mortgage loan origination software to generate preliminary loan documents and disclosures for borrowers through multiple sources.
• Enter loan information and status updates into the system to keep lenders informed of mortgage loan statuses.

File Review and Order Processing

• Review files and order legal work from title agencies.
• Order appraisals from the appraisal management company.
• Track the progress of title and appraisal orders through emails.

Document Review and Underwriting Preparation

• Review preliminary title work and appraisals prior to submission for final underwriting.
• Prepare and review file documentation in the loan origination software before submitting for final underwriting.
• Keep loan files current by gathering needed information from lenders or other sources.

Loan Closing Support

• Assist with preparing and checking loan closing packets.

Reporting and Billing

• Pull weekly and monthly mortgage loan reports.
• Review monthly billing statements for appraisals and flood certificates.

Underwriting and Secondary Market Support

• Assist the Underwriter with requested tasks as needed.
• Support secondary market responsibilities, including:
  • Pulling and publishing interest rates.
  • Selling and delivering loans to investor(s).

Other Duties and Responsibilities

• Prepare loan files for servicing boarding
• Perform loan funding
• Complete HMDA data verification
• Participate in quality control reviews

Cross-Training and Team Support

• Cross-train with others in the department to cover vacations and personal time off.

Organizational Commitment

• Demonstrate a commitment to CSB's vision, mission, and core values.
• Align behavior to support the achievement of these foundational principles.

Education: A high school diploma or General Education Degree (GED) is required. A minimum of one year of related work experience; or equivalent combination of education and experience.

Summary of Employee Benefits:

• Competitive base wage
• Incentive compensation and profit sharing
• Comprehensive benefits including medical, dental, vision, short- and long-term disability, and group life insurance - (plan and/or benefits eligibility requirements apply)
• Paid time off for vacation, illness, bereavement, and jury duty
• 401(k) with an employer match and on-site advisers
• Employee Assistant Program (EAP) with free access to mental health resources
• Comprehensive wellness program with financial incentives to promote a healthy lifestyle
• Training and professional development opportunities to help you reach your long-term goals
• Paid holidays available immediately upon hire
• Volunteerism opportunities to give back to our local communities

The Commercial & Savings Bank is an Equal Opportunity Employer.