Mortgage Loan Originator

🔥 1 hour ago

🏛️ District of Columbia, Maryland, +1 more states – Remote

🏛️ District of Columbia – Remote 🦀 Maryland – Remote ☕ Washington – 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

Founded 1863

💼 Consulting

🛡️ Insurance

📦 Logistics

Consulting • Insurance • Logistics

U. S. Bank is a major financial services institution headquartered in the United States, providing a wide range of banking and financial products to individuals and businesses. The bank offers services in retail banking, corporate banking, wealth management, credit underwriting, and investment management. With a commitment to diversity, equity, and inclusion, U. S. Bank emphasizes the importance of culture and values, offering career growth opportunities and supporting the health and wellness of its employees. U. S. Bank engages with communities and provides educational resources to enhance financial literacy. As a member of the FDIC, it ensures the security of its deposit products, although investment and insurance products are not FDIC insured and may lose value.

📋 Description

• Originate mortgage loans in an assigned Non-Bank 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 in a timely manner • Solicit loan sales and 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 • Maintain referral relationships and meet or exceed mortgage production goals

🎯 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, including maintaining a satisfactory criminal and credit record • High school degree or equivalent • Two or more years of Mortgage, Sales, or Real Estate experience • Self-starter with excellent sales ability and ability to work independently • 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 (e.g. zoning ordinances, Truth-in-Lending, RESPA, energy audit requirements) • Excellent communication skills and ability to analyze financial information • Sales-oriented • 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