Mortgage Loan Originator

U.S. Bank • Charlotte, NC

6d • Remote

About The Position

Originates mortgage loans in an assigned metropolitan territory. The role takes applications, conducts preliminary underwriting reviews, submits loan applications to processing and underwriting for approval, and follows up to ensure required documents are secured in a timely manner. Incumbents regularly solicit and make loan sales and conduct sales-related activities away from U.S. Bank locations, spending at least 50% of their time away from those locations. The position requires at least two hours of driving per week. It has multiple levels, and the successful candidate will be hired at the level aligned with their experience.

The role is posted as remote. Candidates located near a U.S. Bank location are required to work onsite at least three days per week. Applicants must meet NMLS registration and ongoing regulatory compliance requirements.

Requirements

• NMLS registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z, with ongoing compliance with legal and regulatory registration requirements, including maintaining a satisfactory criminal and credit record.
• High school degree or equivalent.
• Two or more years of mortgage, sales, or real estate experience.
• At least two hours of driving per week.

Nice To Haves

• Self-starter with excellent sales ability who can work independently.
• Established referral base within the assigned market.
• Thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
• Working knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors, gained through on-the-job training or real estate brokerage experience.
• Familiarity with local, state, and national laws, including zoning ordinances, Truth-in-Lending, RESPA, and energy audit requirements.
• Excellent communication skills and ability to analyze financial information.
• Sales-oriented.
• Two or more years of proven success in mortgage loan origination, consistently meeting or exceeding production goals.

Responsibilities

• Originate mortgage loans in an assigned metropolitan territory.
• Take mortgage loan applications and conduct preliminary underwriting reviews.
• Submit loan applications to processing and underwriting for approval.
• Follow up to secure documents required for processing, underwriting, and closing in a timely manner.
• Solicit and make loan sales and conduct sales-related activities away from U.S. Bank locations.

Benefits

• Healthcare coverage, including medical, dental, and vision.
• Basic term and optional term life insurance.
• Short-term and long-term disability insurance.
• Pregnancy disability and parental leave.
• 401(k) and employer-funded retirement plan.
• Paid vacation, from two to five weeks depending on salary grade and tenure.
• Up to 11 paid holiday opportunities.
• Adoption assistance.
• Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
• Incentive and recognition programs.
• Equity stock purchase.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED