Mortgage Loan Originator

2 days ago


Everett, Washington, United States U.S. Bank Full time

At U.S. Bank, we're committed to helping our customers and communities thrive. Our Mortgage Loan Originator role is a key part of this mission. As a Mortgage Loan Originator, you'll be responsible for originating mortgage loans in an assigned metropolitan territory. This involves taking applications, conducting preliminary underwriting reviews, and submitting loan applications to processing and underwriting for approval. You'll also be responsible for following up to ensure that all necessary documents are secured in a timely manner. This role requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You'll be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements may result in a rescission of your offer or termination of employment. This role has multiple levels, open to candidates with a minimum one year of mortgage, sales, real estate, or banking experience. The successful candidate will be hired for the level of the position that aligns with their experience. This role is posted as remote, but candidates who are located near any of our locations would be required to work on site at least three days per week. Basic Qualifications: High school diploma or equivalent Minimum one year of mortgage, sales, real estate, or banking experience Ability to travel Preferred Skills/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 Excellent verbal and written communication skills Established referral base within assigned market preferred -2 years of mortgage loan origination experience with proven results



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