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U.S. Bank Mortgage Loan Specialist in Owensboro, Kentucky

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

We are currently seeking a highly motivated Mortgage Loan Specialist for our Special Loans team in Owensboro, KY. This Mortgage Loan Specialist will be responsible for managing and facilitating the process, approvals and servicing of Adjustable Rate Mortgages (ARMs). This person will work closely with borrowers, underwriter and other stake holders to ensure the successful organization, adjustment and management of the ARM loans.

Key Responsibilities :

  • Assist borrowers in understanding the features and terms of adjustable rate mortgages

  • Collect and review loan application, financial document and credit reports.

  • Monitor and update interest rate changes and communicate adjustments to borrowers

  • Explain rate changes and payment implications

  • Ensure compliance with federal and state regulations as well as company policies

  • Resolve issues, disputes or discrepancy professionally.

  • Collaborate with other department or teams to communicate or resolve issues.

Basic Qualifications :

  • High school diploma or equivalent

  • Two to four years of experience in business and general office environment

Preferred Qualifications :

  • Prior U.S Bank experience in mortgage lending specifically with adjustable rates preferred

  • In-depth understanding of ARM loans products including understanding of caps margin, indices

  • Familiar with mortgage origination software and systems.

  • Strong understanding of mortgage compliance and regulatory guides

  • Detailed oriented with a focus on accuracy and documentation

  • Proficient with Microsoft products such as Excel, Teams and Outlook

This role is not eligible for full-time remote work



If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

Learn how the way we work at U.S. Bank (https://assets.phenompeople.com/CareerConnectResources/prod/UBNAGLOBAL/documents/Thewaywework-1666895142717.pdf) drives meaningful relationships with our customers and collaboration across the company.


Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • 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

EEO is the Law

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. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf) EEO poster.


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 (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, US Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401k contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.00 - $22.00