Mortgage Loan Originator

U.S. Bank • Santa Barbara, CA • 14h ago

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

Originates mortgage loans in an assigned non-bank territory. Takes applications, conducts preliminary underwriting reviews, submits loan applications to processing and underwriting for approval. Follows-up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources. Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations. Incumbents are expected to spend at least 50% of their time conducting their activities away from U.S. Bank locations.

This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. 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 your offer or termination of employment.

Basic Qualifications

High school diploma or equivalent

Typically at least one year of mortgage, sales, real estate, or banking experience

Ability to travel

Preferred Skills/Experience

Well-developed sales ability

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

Effective verbal and written communication skills

Established referral base within assigned market preferred

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) .

Benefits:

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:

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

Review our full benefits available by employment status here (https://careers.usbank.com/global/en/benefits/us) .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

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 (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, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

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.

Posting may be closed earlier due to high volume of applicants.

Similar Jobs

Staff Accountant

Marriott • Santa Barbara, CA • 6d ago

Finance, Accounting & Banking

Additional Information Job Number 26059495 Job Category Finance & Accounting Location The Ritz-Carlton Bacara Santa Barbara, 8301 Hollister Ave, Santa Barbara, California, United States, 93117 VIEW ON MAP ( https://w...

6d ago

Go to Apply

General Accountant

Marriott • Santa Barbara, CA • 6d ago

Finance, Accounting & Banking

Additional Information Job Number 26059497 Job Category Finance & Accounting Location The Ritz-Carlton Bacara Santa Barbara, 8301 Hollister Ave, Santa Barbara, California, United States, 93117 VIEW ON MAP ( https://w...

6d ago

Go to Apply

Accounting Clerk

Robert Half • Goleta, CA • 1w ago

Finance, Accounting & Banking

Description We are looking for an Accounting Clerk to support daily financial and administrative activities for a government contractor based in Goleta, California. This Long-term Contract position offers the opportunity...

1w ago

Go to Apply

Accounts Receivable

Robert Half • Santa Barbara, CA • 1w ago

Finance, Accounting & Banking

Description We are looking for a personable Accounts Receivable specialist to join a busy utility billing team in Santa Barbara, California. This Contract position is ideal for someone who enjoys face-to-face customer in...

1w ago

Go to Apply

Project Accountant

Robert Half • Santa Barbara, CA • 2w ago

Finance, Accounting & Banking

Description We are looking for a detail-oriented Project Accountant to join a team in Santa Barbara, California on a contract basis with the potential for a permanent position. This position supports day-to-day accountin...

2w ago

Go to Apply

Financial Analyst - Entry Level

Robert Half • Santa Barbara, CA • 3w ago

Finance, Accounting & Banking

Description We are looking for an entry-level Financial Analyst to support day-to-day financial reporting and data analysis activities in Santa Barbara, California. This Long-term Contract position is well suited for som...

3w ago

Go to Apply

Senior Business Banking Relationship Manager (LO)

Wells Fargo • Goleta, CA • 4w ago

Finance, Accounting & Banking

About this role: Wells Fargo is seeking a Senior Business Banking Relationship Manager (LO) to be part of our growing Small & Business Banking Team. This role will support customers in an assigned local market by dee...

4w ago

Go to Apply

Senior Business Banking Relationship Manager (LO)

Wells Fargo • Santa Barbara, CA • 4w ago

Finance, Accounting & Banking

4w ago

Go to Apply

2026/2027 ESN SPED Teacher - $3700/weekly

Amergis • Santa Barbara, CA • 6h ago

The Special Education Teacher, under the direction of the Special Education Program Administrator provides quality services to special education students, kindergarten through grade 12. The Special Education Teacher has...

6h ago

Go to Apply

Regional Sales Rep

Lincoln Technical Institute • Santa Barbara, CA • 20h ago

Sales & Marketing

Join Lincoln Tech and become a driving force in the education industry! We are seeking an Outside Sales Representative to prospect, interview, and enroll future students in continuing their education. This is a hybrid op...

20h ago

Go to Apply

Subscribe to get new jobs sent directly to you
(no charge, cancel anytime)