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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, underwriting requirements, and compliance with regulatory standards. Proven ability to analyze financial information and effectively communicate with clients while maintaining a strong referral base.
Highest-signal resume keywords
NMLS RegistrationMortgage Loan OriginationUnderwriting KnowledgeSales ExperienceFinancial Analysis
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 Loan ApplicationsPreliminary Underwriting ReviewsPricing KnowledgeUnderwriting RequirementsRegulatory ComplianceZoning Ordinances KnowledgeTruth-in-Lending KnowledgeRESPA KnowledgeEnergy Audit Requirements KnowledgeMortgage Insurance Companies Knowledge
Soft Skills
Effective CommunicationIndependent Work Ability
Certifications & Qualifications
NMLS Registration
Industry Keywords
MortgageReal EstateBankingSalesLocal Bonding ProgramsFNMAFHLMCFHAVA
About the role
Key responsibilities & impact- 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 promptly from appropriate sources
- Solicit loan sales and conduct sales-related activities away from U.S. Bank locations
- Travel and drive at least two hours per week
- Work onsite at least three days per week when located near a U.S. Bank location
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 and ongoing compliance with all legal or regulatory registration requirements, including 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
- Required ability to work onsite three or more days per week if residing near a U.S. Bank location
- Requires two or more hours of driving per week
- 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
- Pension