Mortgage Loan Originator
Posted 15hrs ago
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Job Description
Mortgage Loan Originator originating and underwriting mortgage applications in an assigned Georgia metropolitan territory. Managing loan documentation, approvals, sales activities, and referral relationships for U.S. Bank.
Responsibilities:
- Originate mortgage loans in an assigned metropolitan territory
- Take mortgage loan applications
- Conduct preliminary underwriting reviews
- Submit loan applications to processing and underwriting for approval
- Follow up to secure documents required for processing, underwriting, and closing
- Solicit loan sales and conduct sales-related activities away from U.S. Bank locations
- Spend at least 50% of work time conducting activities away from U.S. Bank locations
- Drive 2 or more hours per week
Requirements:
- National Mortgage Licensing Service (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z
- Ongoing compliance with all legal or regulatory registration requirements, including maintaining a satisfactory criminal and credit record
- High school degree or equivalent
- 2 years Mortgage, Sales, or Real Estate experience
- Self-starter, excellent sales ability, and ability to work independently
- Established referral base within 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
- 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
- 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals
- Ability to drive 2 or more hours per week
- Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and workplace conduct and safety policies
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 of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
- Incentive and recognition programs
- Equity stock purchase
- Pension
- Disability accommodations during the application or hiring process
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