Mortgage Specialist Jobs for OPT Students
Mortgage Specialist roles involve advising clients on loan products, assessing borrower eligibility, and guiding applications through underwriting. F-1 OPT students in finance, economics, or business can qualify. Your OPT work authorization is employer-specific, so securing a sponsor willing to support potential H-1B transition is essential from day one.
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Get Access To All JobsINTRODUCTION
The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.
Need Help?
If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).
Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st shift (United States of America)
Please review the following job description:
Serve as Truist Mortgage liaison between the community, local government, and local mortgage program agencies to produce low to moderate income mortgage loans through community partnerships, and affordable housing initiatives.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
-
Directly responsible for growth and production of mortgage loans for Low-To-Moderate (LMI) income borrowers by serving as the product specialist for the Truist Affordable Housing suite of products and Down Payment Assistance programs.
-
Execute on an action plan and appropriate Community Reinvestment Act (CRA) plan making Truist a market leader in Affordable Housing Lending through establishing partnerships with relevant government agencies and active participation in affordable housing associations and groups to increase productivity in the LMI/CRA lending space while promoting Truist's positive image in the community.
-
Assist and work with community, faith-based and non-profit organizations providing leadership and training for homeownership classes, credit counseling and promote understanding of the mortgage lending process.
-
Champion Truist referral process within the LMI/CRA Strategy within the Region through collaboration with relevant partners on initiatives and sponsorships that enhance efforts to serve LMI Mortgage clients; active participate on committees and boards when appropriate.
-
Maintain a complete and thorough knowledge of the Mortgage Strategies, Policies and Procedures, as well as secondary market investor's guidelines utilized by Truist.
-
Adhere to and comply fully with any and all Truist policies and procedures related to internal and external compliance rules and regulations, particularly those established by State and Federal law.
-
Assist Mortgage Loan Fulfillment with client, attorney, or appraiser document follow-up as determined through quality control or post-closing review.
QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
-
2+ years in residential mortgage lending sales or equivalent mortgage experience with government or private non-profit housing agency
-
Working knowledge of the Mortgage Lending Process
-
Excellent verbal, written, and communication skills
-
Possesses solid interpersonal skills
-
Demonstrated proficiency in relevant computer applications
-
Must be SAFE Mortgage Licensing Act compliant within 30 days of employment in this role, including new or transfer of registration, and applicable NMLS acceptable background check
Preferred Qualifications:
-
Bachelor's degree in Business, Marketing, or related studies
-
Solid knowledge of market area
-
Three or more years of experience in mortgage lending sales or equivalent
-
Previous sales awards and leadership positions.
OTHER JOB REQUIREMENTS / WORKING CONDITIONS
Sitting/Standing/Walking/Bending/Lifting
? Sitting (if checked, indicate frequency)
Frequently (25% - 50% of the time)
? Standing (if checked, indicate frequency)
Frequently (25% - 50% of the time)
? Walking (if checked, indicate frequency)
Frequently (25% - 50% of the time)
? Bending (if checked, indicate frequency)
Choose an item.
? Lifting (if checked, indicate pounds)
Up to 25 lbs.
? Visual / Audio / Speaking
Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
? Manual Dexterity / Keyboarding
Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.
? Availability
Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.
? Travel
Up to 75%
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.
EEO is the Law E-Verify IER Right to Work
INTRODUCTION
The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.
Need Help?
If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).
Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st shift (United States of America)
Please review the following job description:
Serve as Truist Mortgage liaison between the community, local government, and local mortgage program agencies to produce low to moderate income mortgage loans through community partnerships, and affordable housing initiatives.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
-
Directly responsible for growth and production of mortgage loans for Low-To-Moderate (LMI) income borrowers by serving as the product specialist for the Truist Affordable Housing suite of products and Down Payment Assistance programs.
-
Execute on an action plan and appropriate Community Reinvestment Act (CRA) plan making Truist a market leader in Affordable Housing Lending through establishing partnerships with relevant government agencies and active participation in affordable housing associations and groups to increase productivity in the LMI/CRA lending space while promoting Truist's positive image in the community.
-
Assist and work with community, faith-based and non-profit organizations providing leadership and training for homeownership classes, credit counseling and promote understanding of the mortgage lending process.
-
Champion Truist referral process within the LMI/CRA Strategy within the Region through collaboration with relevant partners on initiatives and sponsorships that enhance efforts to serve LMI Mortgage clients; active participate on committees and boards when appropriate.
-
Maintain a complete and thorough knowledge of the Mortgage Strategies, Policies and Procedures, as well as secondary market investor's guidelines utilized by Truist.
-
Adhere to and comply fully with any and all Truist policies and procedures related to internal and external compliance rules and regulations, particularly those established by State and Federal law.
-
Assist Mortgage Loan Fulfillment with client, attorney, or appraiser document follow-up as determined through quality control or post-closing review.
QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
-
2+ years in residential mortgage lending sales or equivalent mortgage experience with government or private non-profit housing agency
-
Working knowledge of the Mortgage Lending Process
-
Excellent verbal, written, and communication skills
-
Possesses solid interpersonal skills
-
Demonstrated proficiency in relevant computer applications
-
Must be SAFE Mortgage Licensing Act compliant within 30 days of employment in this role, including new or transfer of registration, and applicable NMLS acceptable background check
Preferred Qualifications:
-
Bachelor's degree in Business, Marketing, or related studies
-
Solid knowledge of market area
-
Three or more years of experience in mortgage lending sales or equivalent
-
Previous sales awards and leadership positions.
OTHER JOB REQUIREMENTS / WORKING CONDITIONS
Sitting/Standing/Walking/Bending/Lifting
? Sitting (if checked, indicate frequency)
Frequently (25% - 50% of the time)
? Standing (if checked, indicate frequency)
Frequently (25% - 50% of the time)
? Walking (if checked, indicate frequency)
Frequently (25% - 50% of the time)
? Bending (if checked, indicate frequency)
Choose an item.
? Lifting (if checked, indicate pounds)
Up to 25 lbs.
? Visual / Audio / Speaking
Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
? Manual Dexterity / Keyboarding
Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.
? Availability
Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.
? Travel
Up to 75%
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.
EEO is the Law E-Verify IER Right to Work
How to Get Visa Sponsorship as a Mortgage Specialist
Target lenders with established visa sponsorship history
Large banks, credit unions, and mortgage companies are more likely to have HR infrastructure for sponsoring work visas. Focus your applications on institutions that have filed H-1B petitions before, as they understand the process and are less likely to withdraw offers.
Get your NMLS license early
Most Mortgage Specialist roles require a Nationwide Multistate Licensing System license. Starting the application process before your job search concludes signals employer-readiness and removes a common hiring hesitation, especially for OPT candidates who already face additional onboarding considerations.
Be upfront about your OPT timeline in conversations
Mortgage lending involves long client relationships and licensing requirements, so employers think long-term. Addressing your OPT expiration date and H-1B sponsorship timeline early avoids late-stage offer withdrawals and shows you have a clear plan for maintaining authorization.
Emphasize quantitative and compliance skills in your resume
Mortgage Specialists work with financial ratios, debt-to-income calculations, and regulatory frameworks like RESPA and TILA. Highlighting these technical competencies from your coursework or internships demonstrates immediate job readiness and reduces perceived risk for employers considering OPT sponsorship.
Consider roles at mortgage technology companies
Fintech lenders and mortgage software firms often blend financial and technical work, making them more comfortable hiring international candidates. They tend to have stronger sponsorship track records than traditional brokerages and may offer faster paths to H-1B petitions for high-performing OPT employees.
Use your OPT end date to negotiate a sponsorship commitment
Before accepting an offer, ask directly whether the employer supports H-1B sponsorship for strong performers. Getting a clear answer upfront, ideally reflected in your offer letter, protects you from investing months in a role that won't support your long-term work authorization.
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Get Access To All JobsFrequently Asked Questions
Can F-1 OPT students legally work as Mortgage Specialists in the United States?
Yes. F-1 OPT work authorization permits employment in any role directly related to your field of study, and Mortgage Specialist positions qualify for students with degrees in finance, economics, business administration, or related fields. Your work must be tied to your degree field to remain compliant with OPT regulations, so confirm the role aligns before accepting an offer.
Do Mortgage Specialist employers typically sponsor H-1B visas for OPT hires?
Sponsorship varies significantly by employer type. Large national banks and mortgage servicers are more likely to sponsor than small independent brokerages, which often lack the legal infrastructure for visa petitions. When browsing Mortgage Specialist openings on Migrate Mate, you can filter specifically for employers that sponsor OPT and H-1B candidates, which saves significant time in your search.
Does working as a Mortgage Specialist qualify for STEM OPT extension?
It depends on your degree. If you graduated from a STEM-designated program, such as a quantitative finance, financial engineering, or data analytics degree, and your Mortgage Specialist role involves substantial quantitative or analytical work, you may qualify for the 24-month STEM OPT extension. A standard finance or business degree without a STEM designation does not qualify, giving you only the standard 12-month OPT period.
Does working as a Mortgage Specialist require a state license, and how does that interact with OPT status?
Most Mortgage Specialist roles require an NMLS license, and some states require additional state-level licensing. OPT status does not disqualify you from obtaining these licenses, but the process takes time. Starting your NMLS application before your job search ends is advisable. Confirm with each state's licensing authority whether your visa status affects any background check or surety bond requirements.
What happens to my OPT authorization if my Mortgage Specialist employer closes or downsizes?
If you lose your job, you enter a mandatory unemployment reporting period. OPT allows a maximum of 90 days of unemployment for standard OPT holders, or 150 days with an approved STEM extension. You must report any employment changes to your DSO promptly. Finding a new qualifying role within that window is essential to maintaining lawful status and avoiding a gap in your record.
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