Mortgage Loan Originator

Job Description Location Expectations This role may be designated as U.S. home-based remote. However, if the selected candidate resides near a U.S. Bank location, they will be expected to work onsite three (3) or more days per week. Responsibilities Originates mortgage loans in an assigned metropolitan territory. Takes applications, conducts preliminary underwriting reviews, submits loan applications to processing and underwriting for approval. Follow-up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources. Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales‑related activities away from U.S. Bank locations. Licensing and Compliance This position requires National Mortgage Licensing System (NMLS) registration under the terms of the SAFE Act of 2008 and Regulation Z. The applicant will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment. Qualifications Basic Qualifications High school diploma or equivalent Typically at least one year of mortgage, sales, real estate, or banking experience Ability to travel Preferred Skills/Experience Well-developed sales ability Basic knowledge of pricing and underwriting requirements of various mortgage insurance companies Working knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors Basic knowledge of local, state and national laws (e.g., zoning ordinances, Truth‑in‑Lending, RESPA, energy audit requirements, etc.) Ability to work independently Ability to analyze financial information Effective verbal and written communication skills Established referral base within assigned market preferred 2 years of mortgage loan origination experience with proven results Benefits Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer‑funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law Compensation Pay Range: $20.00 - $20.00 Additional Information U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. U.S. Bank participates in the U.S. Department of Homeland Security E‑Verify program and conducts background checks consistent with applicable local laws and national regulations. #J-18808-Ljbffr Us Bank