Mortgage Loan Originator

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

📋 Description

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

• Receive applications and perform initial underwriting evaluations.

• Forward loan applications to processing and underwriting for assessment.

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

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

• Allocate at least 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, with continuous adherence to all legal and regulatory registration obligations.

• Maintain a satisfactory criminal and credit history.

• High school diploma or equivalent qualification.

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

• Preferred: Established referral network within the assigned market.

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

• Strong sales skills and the ability to work independently.

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

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

• Knowledge of local, state, and national regulations.

• Exceptional communication skills.

• Capability to analyze financial data effectively.

🏝️ Benefits

• Healthcare options including medical, dental, and vision coverage.

• Basic term and optional term life insurance.

• Short-term and long-term disability benefits.

• Pregnancy disability and parental leave provisions.

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

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

• Up to 11 paid holiday opportunities.

• Adoption assistance programs.

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

• Incentive and recognition initiatives.

• Equity stock purchase options.

• Contributions to 401(k) and pension plans.