Mortgage Loan Originator

U.S. Bank; Kentucky; Hybrid; USD 50,000 - 80,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement plan

Paid vacation

Adoption assistance

Job summary

U.S. Bank is seeking a Mortgage Loan Originator to manage loans in designated territories. You will conduct preliminary underwriting reviews, secure necessary documents, and engage in loan sales activities.

Qualified candidates should have a high school diploma, at least one year of relevant experience, and demonstrate sales ability. The position has a flexible remote working arrangement but requires some onsite presence. Comprehensive benefits are offered for successful candidates.

Qualifications

• At least one year of mortgage, sales, real estate, or banking experience.
• 2 years of mortgage loan origination experience with proven results.
• Ability to travel and work independently.

Responsibilities

• Originates mortgage loans in an assigned metropolitan territory.
• Conducts preliminary underwriting reviews and submits loan applications.
• Follows up to secure necessary documents for processing and underwriting.

Skills

Sales ability

Knowledge of mortgage insurance requirements

Ability to analyze financial information

Education

High school diploma or equivalent

Job description

Job Description

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.

Location Expectations

This role may be designated as U.S. home‑based remote. Candidates who reside near a U.S. Bank location will be expected to work onsite three (3) or more days per week.

Responsibilities

Originates mortgage loans in an assigned metropolitan territory, takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing and underwriting for approval. Follows up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources. Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales‑related activities away from U.S. Bank locations.

This role also requires 2 or more hours of driving per week.

Required Qualifications

• High school diploma or equivalent
• Typically at least one year of mortgage, sales, real estate, or banking experience
• Ability to travel

Preferred Skills and Experience

• 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 preferred
• 2 years of mortgage loan origination experience with proven results

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

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.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. The company conducts background checks consistent with applicable local laws and federal guidelines.

E-Verify

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. The E‑Verify program is an Internet‑based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.

Posting may be closed earlier due to high volume of applicants.