Mortgage Loan Originator

Jobtailor; Houston (TX); On-site; USD 65,000 - 95,000; Full time

Job summary

U.S. Bank seeks a mortgage loan originator to originate loans in an assigned territory and manage the full application process from intake to underwriting. The role involves soliciting loan sales, ensuring document collection, and meeting regulatory requirements.

The candidate should have strong communication and analytical skills, be sales-oriented, and capable of working offsite as needed while maintaining compliance with SAFÉ Act and regulations.

Qualifications

• High school diploma or equivalent.
• 3+ years of mortgage, sales, or real estate experience.
• NMLS registration under the SAFÉ Act of 2008 and Regulation Z.

Responsibilities

• Originate mortgage loans in an assigned non-bank 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.
• Make and solicit loan sales.
• 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.

Skills

Mortgage Loan Origination

Regulatory Compliance

Excellent Communication Skills

Sales-Oriented

Analytical Skills

NMLS Registration

Education

High school diploma or equivalent

Tools

Underwriting Guidelines Knowledge

Job description

• Originate mortgage loans in an assigned non-bank 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
• Make and solicit loan sales
• 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

Requirements

• High school diploma or equivalent
• Three or more years of experience in mortgage, sales, or real estate
• 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
• Maintaining a satisfactory criminal and credit record
• 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
• Sales-oriented
• Ability to meet applicable requirements for performing duties outside the regular place of business
• Established referral base within assigned market
• Ability to drive 2 or more hours per week
• 2 years of mortgage loan origination experience with proven results
• Candidates near a U.S. Bank location must work onsite at least three days per week

Core Competencies

Demonstrates expertise in mortgage loan origination, underwriting requirements, and compliance with regulatory standards. Proven ability to conduct sales activities and analyze financial information effectively.

Highest-signal resume keywords

• Mortgage Loan Origination
• NMLS Registration
• Underwriting Requirements Knowledge
• Sales-Oriented
• Excellent Communication Skills

Hard Skills

• Mortgage Loan Applications
• Preliminary Underwriting Reviews
• Pricing Knowledge
• Financial Analysis
• Regulatory Compliance

Soft Skills

• Sales Skills
• Analytical Skills

Certifications & Qualifications

• NMLS Registration

Industry Keywords

• FNMA
• FHLMC
• FHA
• VA
• RESPA
• Truth-in-Lending
• Zoning Ordinances
• Energy Audit Requirements