Mortgage Loan Originator
$41,600–$41,600 year
RemoteAtlanta, Georgia, United States or Georgia, United States
Job Summary
Originates mortgage loans in an assigned metropolitan territory by taking applications, conducting preliminary underwriting reviews, and submitting loan applications to processing and underwriting. Follows up to ensure documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources. Makes and solicits loan sales while conducting sales-related activities away from U.S. Bank locations. Requires National Mortgage Licensing System (NMLS) registration under the S.A.F.E. Act of 2008 and Regulation Z, including a criminal background and credit check. Minimum one year of mortgage, sales, real estate, or banking experience is required, with preferred candidates having two years of proven origination results. This role may be designated as U.S. home-based remote, though candidates near a location must work onsite three or more days per week and require two or more hours of driving per week.
Required Qualifications
- National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z
- High school diploma or equivalent
- At least one year of mortgage, sales, real estate, or banking experience
- Ability to travel
- 2 or more hours of driving per week
- 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
- Must be able to effectively lead and coach others
- Strong attention to detail
- Must be available for weekend shifts
- Valid driver's license
- Order to Cash
- Procure to Pay
- Supply Chain
- Customers
- Suppliers
Desired Qualifications
- 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
- Established referral base within assigned market
- 2 years of mortgage loan origination experience with proven results
- Master's degree preferred
- Bachelor's degree, English major preferred
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