Mortgage Loan Originator

U.S. Bank

. Originate mortgage loans in an assigned Non-Bank territory .

Posted 10/8/2026full-timeSanta Rosa • California • United StatesJuniorMid-Level💰 $20 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in mortgage loan origination, with a strong focus on compliance with regulatory requirements and a proven track record of meeting production goals. Possesses excellent sales abilities and communication skills to effectively engage with clients and analyze financial information.

Highest-signal resume keywords

Mortgage Loan OriginationNMLS RegistrationSales ExperienceUnderwriting KnowledgeRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Mortgage Loan ApplicationsPreliminary Underwriting ReviewsPricing KnowledgeFinancial AnalysisProduction Goal Achievement

Soft Skills

Excellent Communication SkillsSelf-StarterSales AbilityIndependent Work

Certifications & Qualifications

NMLS Registration

Industry Keywords

S.A.F.E. ActRegulation ZRESPATruth-in-LendingFNMAFHLMCFHAVAZoning OrdinancesLocal Bonding Programs

About the role

Key responsibilities & impact

Originate mortgage loans in an assigned Non-Bank territory
Take mortgage loan applications
Conduct preliminary underwriting reviews
Submit loan applications to processing and underwriting for approval
Follow up to secure documents required for processing, underwriting, and closing
Solicit loan sales and conduct sales-related activities away from U.S. Bank locations
Spend at least 50% of work 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
2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals
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, including zoning ordinances, Truth-in-Lending, RESPA, and energy audit requirements
Excellent communication skills and ability to analyze financial information
Sales-oriented

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