Mortgage Loan Originator

Jobtailor

Nashville (TN)

On-site

USD 60,000 - 90,000

Full time

8 days ago

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Job summary

U.S. Bank in Nashville seeks a Mortgage Loan Originator to originate loans, take applications, and conduct preliminary underwriting for timely processing and closing.

The role requires travel, in-person work, and sales activity beyond bank locations. Candidates should have NMLS registration, a high school diploma, and 1+ year of mortgage/real estate/banking experience, with strong communication and independence.

Qualifications

NMLS registration under the S.A.F.E. Act of 2008 and Regulation Z
Maintaining a satisfactory criminal and credit record
High school diploma or equivalent
One or more years of mortgage, sales, real estate, or banking experience
Ability to travel
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, including Truth-in-Lending, RESPA, and energy audit requirements
Ability to work independently
Ability to analyze financial information
Effective verbal and written communication skills
Established referral base within assigned market preferred
Two years of mortgage loan origination experience with proven results

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 ensure documents required for processing, underwriting, and closing are secured from appropriate sources in a timely manner
Make and solicit loan sales
Conduct sales-related activities away from U.S. Bank locations
Drive two or more hours per week
Work onsite at least three days per week when located near a U.S. Bank location

Skills

Mortgage loan origination

Underwriting knowledge

Financial analysis

Effective communication

Independent work

Travel willingness

Education

High school diploma or equivalent

Tools

Pricing knowledge

FNMA/FHLMC/FHA/VA underwriting guidelines

Regulatory compliance knowledge

Job description

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 ensure documents required for processing, underwriting, and closing are secured from appropriate sources in a timely manner
Make and solicit loan sales
Conduct sales-related activities away from U.S. Bank locations
Drive two or more hours per week
Work onsite at least three days per week when located near a U.S. Bank location

Requirements

National Mortgage Licensing Service (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z and ongoing compliance with all legal or regulatory registration requirements
Maintaining a satisfactory criminal and credit record
High school diploma or equivalent
One or more years of mortgage, sales, real estate, or banking experience
Ability to travel
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, including zoning ordinances, Truth-in-Lending, RESPA, and energy audit requirements
Ability to work independently
Ability to analyze financial information
Effective verbal and written communication skills
Established referral base within assigned market preferred
Two years of mortgage loan origination experience with proven results

Core Competencies

Demonstrates expertise in mortgage loan origination, underwriting processes, and compliance with regulatory requirements. Proven ability to analyze financial information and effectively communicate with clients and stakeholders.

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