Mortgage Loan Originator

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $20 / hour

⏰ Full Time

🟢 Junior

🟡 Mid-level

🚫👨‍🎓 No degree required

👻 Ghost score 0%

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U.S. Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

🏦 Banking

💸 Finance

🛡️ Insurance

💰 $55M Post IPO debt on 2023-10

Banking • Finance • Insurance

U. S. Bank is a large, diversified commercial bank and financial services company. It operates retail and branch banking, corporate and commercial banking, lending and credit underwriting, wealth management, investment and asset management, and offers insurance and other financial products. The company serves consumer and business customers through physical branches, digital and contact-center channels, and maintains a multinational presence (locations in the United States, Canada, Europe and India). It is a Member FDIC institution and emphasizes customer-focused services, inclusion, and career development.

📋 Description

• Originate mortgage loans in an assigned metropolitan territory • Take mortgage loan applications • Conduct preliminary underwriting reviews • Submit loan applications to processing and underwriting for approval • Follow up to secure documents required for processing, underwriting, and closing • Make and solicit loan sales • Conduct sales-related activities away from U.S. Bank locations • Spend at least 50% of work time conducting activities away from U.S. Bank locations • Drive 2 or more hours per week

🎯 Requirements

• National Mortgage Licensing Service (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z • Ongoing compliance with all legal or regulatory registration requirements • Maintaining a satisfactory criminal and credit record • High school degree or equivalent • 2 years Mortgage, Sales, or Real Estate experience • Ability to work independently • Excellent sales ability • Established referral base within assigned market preferred • Thorough 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 • Familiarity with local, state, and national laws, including zoning ordinances, Truth-in-Lending, RESPA, and energy audit requirements • Excellent communication skills • Ability to analyze financial information • 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals • Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and workplace conduct and safety policies

🏖️ 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 • Incentive and recognition programs • Equity stock purchase • 401(k) contribution and pension

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