Mortgage Loan Originator

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

📋 Description

• Generate mortgage loans within a designated market.

• Accept applications and forward loan requests to processing and underwriting for approval.

• Ensure timely collection of necessary documents for processing, underwriting, and closing from the appropriate sources.

• Actively engage in loan sales and perform sales-related tasks outside of U.S. Bank locations.

• Allocate a minimum of 50% of working hours to activities conducted away from U.S. Bank facilities.

• Develop and sustain a well-established referral network within the assigned market.

⛳️ Requirements

• Registration with the National Mortgage Licensing Service (NMLS) in accordance with the S.A.F.E. Act of 2008 and Regulation Z.

• Continuous compliance with all legal or regulatory registration obligations, including maintaining a satisfactory criminal and credit history.

• High school diploma or an equivalent qualification.

• A minimum of two years of experience in mortgage, sales, real estate, or banking.

• Willingness to travel as required.

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

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

• Knowledge of applicable local, state, and national regulations, including zoning laws, Truth-in-Lending, RESPA, and energy audit requirements.

• Strong communication skills and the ability to evaluate financial information effectively.

• Sales-driven approach and well-honed sales capabilities.

• Capacity to work autonomously.

• Preferred: Established referral network within the designated market.

• Minimum of 2 years of demonstrated success in mortgage loan origination, consistently achieving or surpassing production targets.

• Applicants must adhere to U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct, as well as related workplace conduct and safety protocols.

🏝️ Benefits

• Comprehensive healthcare (medical, dental, vision).

• Basic term and optional term life insurance.

• Short-term and long-term disability coverage.

• Pregnancy disability and parental leave options.

• 401(k) plan and employer-funded retirement savings plan.

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

• Up to 11 paid holidays per year.

• Adoption assistance programs.

• Sick and Safe Leave accrual at a rate of one hour for every 30 hours worked, up to a maximum of 80 hours each calendar year, unless otherwise stipulated by law.

• Incentive and recognition initiatives.

• Equity stock purchase options.

• Contributions to 401(k) and pension plans.

• Disability accommodations available during the application or hiring process.