Mortgage Loan Originator

Job Description At U.S. Bank we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. Location Expectations This role may be designated as U.S. home‑based remote. Candidates who reside near a U.S. Bank location 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, and submits loan applications to processing and underwriting for approval. Follows 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. This role also requires 2 or more hours of driving per week. Required Qualifications High school diploma or equivalent Typically at least one year of mortgage, sales, real estate, or banking experience Ability to travel Preferred Skills and 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 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 will consider qualified applicants with arrest or conviction records for employment. The company conducts background checks consistent with applicable local laws and federal guidelines. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E‑Verify program in all facilities located in the United States and certain U.S. territories. The E‑Verify program is an Internet‑based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Posting may be closed earlier due to high volume of applicants. #J-18808-Ljbffr