Mortgage Loan Originator

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

📋 Description

• Generate mortgage loans within a designated Non-Bank region

• Process loan applications

• Perform initial underwriting assessments

• Submit loan applications for processing and underwriting approval

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

• Engage in and promote loan sales

• Execute sales-related tasks outside of U.S. Bank premises

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

⛳️ Requirements

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

• Continuous adherence to all legal and regulatory registration standards

• Maintenance of a satisfactory criminal and credit history

• High school diploma or equivalent

• 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 surpassing production targets

• Self-motivated with excellent sales skills and the capability to work independently

• Preferred established referral network within the designated market

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

• Proficient knowledge of underwriting criteria for FNMA, FHLMC, FHA, VA, local bonding initiatives, and private investors

• Familiarity with applicable local, state, and national regulations, including zoning laws, Truth-in-Lending, RESPA, and energy audit obligations

• Exceptional communication skills

• Ability to evaluate financial data

• Strong sales orientation

🏝️ Benefits

• Healthcare options (medical, dental, vision)

• Basic and optional term life insurance

• Short-term and long-term disability coverage

• Pregnancy disability and parental leave

• 401(k) plan and employer-sponsored retirement savings

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

• Up to 11 paid holidays annually

• Adoption assistance program

• 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 initiatives

• Equity stock purchasing options

• 401(k) contributions and pension plan