New Market Mortgage Loan Originator

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 if posting has real specific content. We need to parse the job posting. First, there is introductory paragraph about U.S. Bank mission etc. That could be "About the role" or maybe not. The instruction: do NOT repeat the job title as a heading (the page already shows it). So we can have an "About the role" section with prose describing the role. We need to extract 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. 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 also requires 2 or more hours of driving per week." Also location expectations: "This role requires working from a U.S. Bank location three (3) or more days per week." That's schedule? Could be schedule. Qualifications: Required Qualifications list: high school degree or equivalent; three or more years of Mortgage, Sales, or Real Estate experience; NMLS registration under S.A.F.E. Act etc; must be able to meet applicable requirement of performing duties outside regular place of business. 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, private investors; familiar with local, state and national laws; excellent communication skills and ability to analyze financial information; established referral base within assigned market preferred; 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals. Skills: maybe combine desired qualifications as skills. Benefits: listed: 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. Pay: "Pay Range: $20.00 - $20.00" That's a specific pay range (though same min and max). According to rule: include Pay section only if posting actually states them. It does state a pay range, even if same. So we include Pay. Schedule: location expectations: working from a U.S. Bank location three or more days per week. Also incumbents expected to spend at least 50% of time away from locations, and 2+ hours driving per week. That could be schedule. We'll include Schedule section with that info. We must not include boilerplate like EEO, E-Verify, disability accommodations, etc. Also remove duplicated lines, navigation, legal, etc. Also remove "Job Description" heading? Not needed as we are not outputting that as heading; we just output content. We must not include placeholders like "commensurate with experience". Not present. We must preserve all substantive information; do not invent or summarize away detail. So we need to keep details exactly as given, but we can rephrase? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." Means we should not omit details, but we can rephrase? Probably better to keep the original sentences but we can format into lists. We need to use

• for any list of duties/requirements/benefits, and

  for prose. Thus: - About the role: prose paragraph summarizing the role? Could be the introductory paragraph about U.S. Bank journey etc. That is more about company. But we could treat that as About the role. However the instruction: "Do NOT repeat the job title as a heading (the page already shows it)". It doesn't forbid having About the role with company description. We'll include About the role with the introductory paragraph(s) about U.S. Bank mission and career opportunities. But we must ensure we don't include boilerplate like "We consider all qualified applicants..." etc. That's EEO, remove. Thus About the role: combine the first few sentences: "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 substantive. Responsibilities: list of duties. Requirements: maybe combine Required Qualifications and Desired Qualifications? But we have separate headings: Requirements, Qualifications, Skills. We need to decide which to use. The instruction: use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have multiple sections. We need to include only those with real content. We have Required Qualifications (must-haves) and Desired Qualifications (nice-to-haves). Could map Required Qualifications to "Requirements" section, and Desired Qualifications to "Qualifications" or "Skills". But we also have Skills separate. Could put desired qualifications under Skills. However the instruction: "Prefer a few substantive sections over many thin ones." So maybe combine Requirements and Qualifications into one section? But we have headings list; we can choose to include Requirements and Qualifications if they have content. But we might end up with many thin sections. Better to have Requirements (required) and Qualifications (desired) as separate? That's two sections. Could also combine them into Requirements and then Skills for desired qualifications. Let's think. We have: - Required Qualifications: high school degree or equivalent; 3+ years mortgage/sales/real estate experience; NMLS registration; must be able to meet requirement of performing duties outside regular place of business. - 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, private investors; familiar with local, state and national laws; excellent communication skills and ability to analyze financial information; established referral base within assigned market preferred; 2+ years of proven success in mortgage loan origination, consistently meeting or exceeding production goals. These are more like skills/knowledge. Could put them under Skills. Thus we could have: - Requirements (Required Qualifications) - Skills (Desired Qualifications) We might also have a Qualifications section but maybe not needed. To follow "prefer a few substantive sections", we could omit Qualifications heading and just have Requirements and Skills. But the instruction list includes Qualifications as an example heading; we are not forced to use it. We can choose to include only those sections with real content. So we can have Requirements and Skills. Now Benefits: we have list. Pay: we have Pay Range. Schedule: we have location expectations and travel/drive expectations. Now we need to ensure we don't include any boilerplate like "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." That's boilerplate; remove. Also remove "Review our full benefits available by employment status here." That's a link; remove. Also remove "U.S. Bank is an equal opportunity employer..." etc. Also remove "E-Verify ..." etc. Also remove "The salary range reflects figures based on the primary location..." etc. That's about pay but we already have pay range; we can keep the pay range line but remove the explanatory sentence about location differences? The instruction: preserve ALL substantive information; do NOT invent or summarize away detail. The sentence about salary range reflecting figures based on primary location is substantive? It explains that actual range may differ based on location. That is info about pay. Should we keep it? It's not boilerplate; it's about pay. However we already have Pay Range line. The additional sentence provides context. We could include it in Pay section as prose. Similarly, "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)." That's also substantive about benefits; we could add to Benefits section. But we must be careful not to include duplicated lines. The benefits list already includes many items; the extra sentence about incentive etc is additional. We should also remove "Posting may be closed earlier due to high volume of applicants." That's boilerplate. Now let's extract all substantive content: Intro paragraph (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. - 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 also requires 2 or more hours of driving per week. Required Qualifications (Requirements): - 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. Desired Qualifications (Skills): - 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. - 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 accru