Mortgage Originator- Remote

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. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

Originate mortgage loans in an assigned non-bank territory.

Take applications, conduct preliminary underwriting reviews, and submit loan applications to processing and underwriting for approval.

Follow up to secure documents required for processing, underwriting, and closing in a timely manner.

Engage in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations.

Use at least 50% of time conducting activities away from U.S. Bank locations.

Maintain National Mortgage Licensing System (NMLS) registration under the S.A.F.E. Act of 2008 and Regulation Z, including background and credit checks.

Provide remote support, although candidates near any U.S. Bank location are required to work on site at least three days per week.

Basic Qualifications

High school diploma or equivalent.

Minimum one year of mortgage, sales, real estate, or banking experience.

Ability to travel.

Driving at least 2 hours per week.

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).

Ability to work independently.

Ability to analyze financial information.

Effective verbal and written communication skills.

Established referral base within assigned market (preferred).

Proven results in mortgage loan origination experience (preferably 2 years).

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

EEO Statement
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.

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. Learn more about the E-Verify program.

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