New Market Mortgage Loan Originator
U.S. Bank · Franklin, TN · 4 wk ago
Finance$20/hrFull-time
We need to output HTML fragment with sections: headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title. Must not include Job ID etc. Remove boilerplate: EEO, E-Verify, etc. Must preserve substantive info.
Let's parse the posting:
First paragraph: "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."
That's generic intro about company; could be considered "About the role"? Actually it's about company culture. Could be placed under "About the role" or maybe not needed. But we need to preserve all substantive information. The job description details follow.
Job Description: "Originates mortgage loans in an assigned metropolitan 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."
That's responsibilities.
Then "Required Qualifications:" list: High school degree or equivalent; Three or more years of Mortgage, Sales, or Real Estate experience; 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, but not limited to maintaining a satisfactory criminal and credit record; Must be able to meet the applicable requirement of performing their duties outside of their regular place of business. This position also requires 2 or more hours of driving per week.
Then "Desired Qualifications:" list: 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, as gained through on the job training or some real estate brokerage experience; Familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.); Excellent communication skills and ability to analyze financial information; Sales oriented; Established referral base within assigned market preferred; 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals.
Then "Location expectations": This role requires working from a U.S. Bank location three (3) or more days per week.
Then "Benefits:" list: 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.
Then there is mention: "Review our full benefits available by employment status here." That's a link; we can ignore as boilerplate? It's part of benefits but maybe we keep as part of benefits description? Might be considered navigation; but it's a reference to full benefits. Could keep as a sentence? Probably safe to keep as part of benefits description but it's a link; we can keep as plain text "Review our full benefits available by employment status here." Might be considered boilerplate but it's specific to benefits. I'd keep it.
Then there is salary/pay: "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"
That seems weird: Pay Range: $20.00 - $20.00 (maybe a placeholder). According to rules: never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Here Pay Range is stated but it's $20.00 - $20.00 which is effectively a single value; still it's a stated range. Should we include Pay section? It says "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does state a Pay Range, albeit maybe placeholder. But it's still stated. However the rule also says "never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD")". $20.00 - $20.00 is not exactly placeholder like "varies" but it's a specific number; though it's same min and max, could be considered placeholder but it's a specific figure. I'd include Pay section with that range.
Schedule: The posting mentions location expectations: "This role requires working from a U.S. Bank location three (3) or more days per week." Also earlier: "Incumbents are expected to spend at least 50% of their time conducting their activities away from U.S. Bank locations." Also "This position also requires 2 or more hours of driving per week." That's schedule/location expectations. So we can have a Schedule section covering those.
We also have "About the role" maybe we can include the introductory paragraph about company mission as "About the role" or "About U.S. Bank". The instruction: use
for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title. Must not include Job ID etc. Remove boilerplate: EEO, E-Verify, etc. Must preserve substantive info.
Let's parse the posting:
First paragraph: "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."
That's generic intro about company; could be considered "About the role"? Actually it's about company culture. Could be placed under "About the role" or maybe not needed. But we need to preserve all substantive information. The job description details follow.
Job Description: "Originates mortgage loans in an assigned metropolitan 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."
That's responsibilities.
Then "Required Qualifications:" list: High school degree or equivalent; Three or more years of Mortgage, Sales, or Real Estate experience; 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, but not limited to maintaining a satisfactory criminal and credit record; Must be able to meet the applicable requirement of performing their duties outside of their regular place of business. This position also requires 2 or more hours of driving per week.
Then "Desired Qualifications:" list: 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, as gained through on the job training or some real estate brokerage experience; Familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.); Excellent communication skills and ability to analyze financial information; Sales oriented; Established referral base within assigned market preferred; 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals.
Then "Location expectations": This role requires working from a U.S. Bank location three (3) or more days per week.
Then "Benefits:" list: 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.
Then there is mention: "Review our full benefits available by employment status here." That's a link; we can ignore as boilerplate? It's part of benefits but maybe we keep as part of benefits description? Might be considered navigation; but it's a reference to full benefits. Could keep as a sentence? Probably safe to keep as part of benefits description but it's a link; we can keep as plain text "Review our full benefits available by employment status here." Might be considered boilerplate but it's specific to benefits. I'd keep it.
Then there is salary/pay: "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"
That seems weird: Pay Range: $20.00 - $20.00 (maybe a placeholder). According to rules: never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Here Pay Range is stated but it's $20.00 - $20.00 which is effectively a single value; still it's a stated range. Should we include Pay section? It says "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does state a Pay Range, albeit maybe placeholder. But it's still stated. However the rule also says "never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD")". $20.00 - $20.00 is not exactly placeholder like "varies" but it's a specific number; though it's same min and max, could be considered placeholder but it's a specific figure. I'd include Pay section with that range.
Schedule: The posting mentions location expectations: "This role requires working from a U.S. Bank location three (3) or more days per week." Also earlier: "Incumbents are expected to spend at least 50% of their time conducting their activities away from U.S. Bank locations." Also "This position also requires 2 or more hours of driving per week." That's schedule/location expectations. So we can have a Schedule section covering those.
We also have "About the role" maybe we can include the introductory paragraph about company mission as "About the role" or "About U.S. Bank". The instruction: use for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have sections: About the role, Responsibilities, Required Qualifications, Desired Qualifications (maybe combine as Qualifications?), Benefits, Pay, Schedule. Could also have Skills separate but we have skills in desired qualifications. Could combine.
We must not repeat job title. No Job ID.
We must remove boilerplate: EEO, E-Verify, background check details, etc. Also remove "U.S. Bank is an equal opportunity employer..." and all that. Also remove "Posting may be closed earlier due to high volume of applicants." Also remove "The salary range reflects figures based on the primary location..." maybe keep as part of Pay? Actually that sentence is about Pay Range; we can incorporate into Pay section.
We must preserve all substantive information. So we need to keep the details about responsibilities, qualifications, benefits, pay, schedule/location expectations.
Let's craft HTML:
About the role
About the role
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.
Responsibilities
- Originates mortgage loans in an assigned metropolitan 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.
- Customarily and regularly engaged in making and soliciting loan sales and conducting sales‑related activities away from U.S. Bank locations.
- Expected to spend at least 50% of time conducting activities away from U.S. Bank locations.
Required Qualifications
- High school degree or equivalent.
- Three or more years of Mortgage, Sales, or Real Estate experience.
- 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.
- Must be able to perform duties outside of regular place of business; this position also requires 2 or more hours of driving per week.
Desired Qualifications
- 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, gained through on‑the‑job training or real estate brokerage experience.
- Familiar with local, state and national laws (e.g., zoning ordinances, Truth‑in‑Lending, RESPA, energy audit requirements, etc.).
- Excellent communication skills and ability to analyze financial information.
- Sales‑oriented.
- Established referral base within assigned market preferred.
- 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals.
Benefits
- 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.
Pay
Pay Range: $20.00 - $20.00
Schedule
- Role requires working from a U.S. Bank location three (3) or more days per week.
- Incumbents expected to spend at least 50% of time conducting activities away from U.S. Bank locations.
- Position requires 2 or more hours of driving per week.