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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage loan origination, with a strong understanding of underwriting requirements and compliance with regulatory standards. Proven ability to achieve sales targets and maintain a robust referral network within the assigned market.
Highest-signal resume keywords
Mortgage Loan OriginationNMLS RegistrationUnderwriting Requirements KnowledgeSales AbilityRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Mortgage UnderwritingLoan Application ProcessingFinancial AnalysisPricing KnowledgeSales Strategy
Soft Skills
Excellent CommunicationSelf-StarterIndependent Work
Certifications & Qualifications
NMLS Registration
Industry Keywords
FNMAFHLMCFHAVAS.A.F.E. ActRegulation ZMortgage InsuranceLocal Bonding Programs
About the role
Key responsibilities & impact- Originate mortgage loans in an assigned Non-Bank territory
- Take 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 in a timely manner
- Make and solicit loan sales and conduct sales-related activities away from U.S. Bank locations
- Spend at least 50% of working time conducting activities away from U.S. Bank locations
Requirements
What you’ll need- 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
- High school degree or equivalent
- Two or more years of Mortgage, Sales, or Real Estate experience
- Self-starter with excellent sales ability and ability to work independently
- Established referral base within assigned market preferred
- 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
- Excellent communication skills and ability to analyze financial information
- Sales oriented
- 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals
- Applicants must be able to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and related workplace conduct and safety policies
Benefits
Comp & perks- 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
- Incentive and recognition programs
- Equity stock purchase
- 401(k) contribution and pension
