Mortgage Loan Originator

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

📋 Description

• Initiate mortgage loans within a designated Non-Bank area.

• Process mortgage loan applications.

• Perform initial underwriting assessments.

• Forward loan applications to processing and underwriting for authorization.

• Follow up to obtain necessary documents for processing, underwriting, and closing.

• Promote loan sales and engage in sales-related activities outside of U.S. Bank locations.

• Allocate at least 50% of efforts to sales-related tasks away from U.S. Bank premises.

• Consistently achieve or surpass mortgage loan origination production targets.

⛳️ Requirements

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

• Continuous adherence to all legal and regulatory registration obligations.

• Maintenance of a satisfactory criminal and credit history.

• High school diploma or equivalent qualification.

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

• Over two years of demonstrated success in mortgage loan origination, consistently achieving or exceeding production targets.

• Self-motivated individual with strong sales skills and the ability to operate independently.

• Preferred established referral network within the assigned market.

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

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

• Knowledgeable about local, state, and federal regulations, including zoning laws, Truth-in-Lending, RESPA, and energy audit standards.

• Exceptional communication abilities.

• Proficient in analyzing financial data.

• Sales-focused mindset.

🏝️ Benefits

• Healthcare coverage (medical, dental, vision).

• Basic term and optional term life insurance.

• Short-term and long-term disability coverage.

• Pregnancy disability and parental leave benefits.

• 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 available.

• Adoption assistance programs.

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

• Incentive and recognition initiatives.

• Equity stock purchase options.

• Pension plan.