U.S. Bank Mortgage Non Bank Loan Officer- Telecommute in Denver, Colorado
At U.S. Bank, we're passionate about helping customers and the communities where we live and work. The fifth-largest bank in the United States, we’re one of the country's most respected, innovative and successful financial institutions. U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.
Job DescriptionThe responsibilities of this role are the following: Originate Community Reinvestment Act (CRA) loans in an assigned out of footprint (OFP) territory.
Develop referral relationships with realtors, builders, bankers, and other sources for the purpose of originating residential loans through ongoing sales efforts.
Take mortgage applications, conduct preliminary underwriting reviews, and submit loan applications to processing.
Remain the front line contact with customers and realtors for follow up documentation needed to approve and close loan.
Inform customers of other products and services that meet their needs.
Be regularly engaged in making and soliciting loan sales and conduct sales-related activities away from U.S. Bank locations.
Spend a minimum of 50% of time conducting sales activities away from U.S. Bank locations.
This position requires a National Mortgage Licensing System (NMLS) number under the terms of the S.A.F.E. Act of 2008 and Regulation Z.
A criminal background and credit check is required and is part of the pre-hire process. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of the job offer or termination of employment.
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 - Thorough understanding of the Community Reinvestment Act - 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, as gained through on the job training or some real estate brokerage experience - 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
Benefits: Take care of yourself and your family with U.S. Bank employee benefits. We know that healthy employees are happy employees, and we believe that work/life balance should be easy to achieve. That's why we share the cost of benefits and offer a variety of programs, resources and support you need to bring your full self to work and stay present and committed to the people who matter most - your family.
Learn all about U.S. Bank employee benefits, including tuition reimbursement, retirement plans and more, by visiting usbank.com/careers.
EEO is the Law Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal EEO is the Law poster.
E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.
Salary range reflected is an estimate of base pay and is for the primary location. Base pay range may vary if an offer is made for work in a different location. Pay Range: $18.13 - $24.18 - $26.60
U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.