Mortgage Loan Originator

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

📋 Description

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

• Process mortgage loan applications.

• Perform initial underwriting assessments.

• Forward loan applications to processing and underwriting for approval.

• Ensure timely collection of documents necessary for processing, underwriting, and closing.

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

• Allocate at least 50% of work hours to activities conducted away from U.S. Bank locations.

• Achieve or surpass mortgage loan origination production targets.

⛳️ Requirements

• Registration with the National Mortgage Licensing Service (NMLS) as per the S.A.F.E. Act of 2008 and Regulation Z, maintaining ongoing compliance with all legal and regulatory registration mandates, including a satisfactory criminal and credit record.

• High school diploma or equivalent qualification.

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

• At least 2 years of demonstrable success in mortgage loan origination, consistently meeting or exceeding production targets.

• Self-motivated individual with exceptional sales skills and the ability to work independently.

• A preferred established referral network within the assigned market.

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

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

• Awareness of local, state, and national laws, including zoning regulations, Truth-in-Lending, RESPA, and energy audit stipulations.

• Strong communication skills and the capability to analyze financial data.

• Sales-driven mindset.

🏝️ Benefits

• Healthcare coverage (medical, dental, vision).

• Basic term and optional term life insurance.

• Short-term and long-term disability benefits.

• Pregnancy disability and parental leave.

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

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

• Up to 11 paid holiday opportunities.

• Adoption assistance.

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

• Incentive and recognition programs.

• Equity stock purchase options.

• 401(k) contributions and a pension plan.