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About the Role

Originates mortgage loans in an assigned metropolitan territory, taking applications, conducting preliminary underwriting reviews, and submitting loan applications for approval. Ensures timely acquisition of necessary documents for processing, underwriting, and closing. This role involves sales activities away from U.S. Bank locations and requires NMLS registration.

Responsibilities

• Originate mortgage loans in an assigned metropolitan territory.
• Take loan applications.
• Conduct preliminary underwriting reviews.
• Submit loan applications to processing and underwriting for approval.
• Follow up to ensure timely acquisition of documents for processing, underwriting, and closing.
• Engage in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations.

Requirements

• High school diploma or equivalent.
• Typically at least one year of mortgage, sales, real estate, or banking experience.
• Ability to travel.
• Must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
• National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z is required.
• Subject to a criminal background and credit check for NMLS registration.
• Failure to meet or maintain NMLS registration requirements may result in offer rescission or termination.

Skills

• Well-developed sales ability.
• Basic 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.
• Basic knowledge of local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.).
• Ability to work independently.
• Ability to analyze financial information.
• Effective verbal and written communication skills.

Location

• Assigned metropolitan territory

Work Type

• Full-time

Experience Level

• One year of mortgage, sales, real estate, or banking experience

Education Level

• High school diploma or equivalent

Salary/Compensations

• $20.00 - $20.00

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• 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
• Incentive and recognition programs
• Equity stock purchase
• Pension

About the Company

• At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.
• A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.
• U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories.
• U.S. Bank will consider qualified applicants with arrest or conviction records for employment.
• U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance.
• U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA).
• Certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Equal Opportunity

• U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.