Mortgage Loan Originator

Job Overview

We are seeking a Mortgage Loan Originator to originate mortgage loans in an assigned metropolitan territory. Responsibilities include taking application, conducting preliminary underwriting reviews, submitting loan applications to processing and underwriting for approval, and following up to secure required documents in a timely manner.

• Originates mortgage loans in an assigned metropolitan territory.
• Takes applications and conducts preliminary underwriting reviews.
• Submits loan applications to processing and underwriting for approval.
• Follows up to ensure all documents required for processing, underwriting, and closing are secured in a timely manner.
• Engaged in making and soliciting loan sales and conducting sales‑related activities away from U.S. Bank locations.
• Spends at least 50% of time conducting activities away from U.S. Bank locations.

• High school diploma or equivalent.
• Minimum one year of mortgage, sales, real estate, or banking experience.
• Ability to travel.
• National Mortgage Licensing System (NMLS) registration under the terms of the SAFE Act of 2008 and Regulation Z.
• Criminal background and credit check required.

• 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.
• Ability to drive at least 2 hours per week.
• Established referral base within assigned market (preferred).
• 2+ years of mortgage loan origination experience with proven results (preferred).

• Health, dental & vision coverage.
• Basic 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 (2-5 weeks based 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 participates in the U.S. Department of Homeland Security E-Verify program. Applicants must comply with U.S. Bank policies, including the Code of Ethics and Business Conduct. Background checks are consistent with applicable local and federal laws and may include FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and other federal guidelines.