This is a fully remote position, open to applicants in California.

📋 Description

• Generate mortgage loans within a designated Non-Bank territory.

• Process applications and perform initial underwriting assessments.

• Forward loan applications to processing and underwriting teams for approval.

• Ensure that all necessary documents for processing, underwriting, and closing are obtained promptly.

• Engage in loan sales activities and related tasks outside of U.S. Bank locations.

• Allocate a minimum of 50% of work time to activities conducted away from U.S. Bank premises.

⛳️ Requirements

• Registration with the National Mortgage Licensing Service (NMLS) in compliance with the S.A.F.E. Act of 2008 and Regulation Z, alongside adherence to all ongoing legal or regulatory registration obligations, including maintaining a clean criminal and credit history.

• High school diploma or equivalent qualification.

• A minimum of two years' experience in Mortgage, Sales, or Real Estate.

• Established network of referrals within the assigned market area.

• Comprehensive understanding of pricing and underwriting standards from various mortgage insurance providers.

• Familiarity with underwriting criteria for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors.

• Knowledge of local, state, and federal laws, including zoning regulations, Truth-in-Lending, RESPA, and energy audit mandates.

• Strong communication abilities and proficiency in analyzing financial data.

• Sales-driven mindset.

🏝️ Benefits

• Medical, dental, and vision healthcare coverage.

• Basic term life and optional term life insurance.

• Short-term and long-term disability coverage.

• Pregnancy disability and parental leave provisions.

• 401(k) plan along with an employer-funded retirement plan.

• Paid vacation ranging from two to five weeks based on salary grade and tenure.

• Up to 11 paid holidays each year.

• Adoption support assistance.

• Sick and Safe Leave accrual at the rate of one hour for every 30 hours worked, capping at 80 hours per calendar year unless otherwise mandated by law.

• Incentive and recognition programs.

• Opportunities for equity stock purchase.

• 401(k) contributions.

• Pension plan.