Mortgage Loan Officer

PNC•San Diego, CA

15d•Onsite

About The Position

The Mortgage Loan Officer works within PNC's Mortgage organization and is based in the San Diego, California area. The role recommends loan solutions in line with lending guidelines and client requirements, manages customer relationships and a pipeline, and identifies prospective opportunities to retain or develop clients. The position collaborates with internal and external stakeholders to complete mortgage transactions and collects and analyzes financial information for multifaceted or complex borrowers. PNC describes itself as an in-office company and encourages candidates to discuss workplace expectations with their recruiter and hiring manager. The role is incentive eligible, with incentive payments based on company, business, and/or individual performance. Candidates must be able to meet applicable background-check requirements. PNC will not provide employment visa sponsorship or participate in STEM OPT for this position.

Requirements

Demonstrate appropriate knowledge, skills, and abilities for the role.
Work experience at this level typically requires a university or college degree with less than one year of professional experience and/or successful completion of a formal development program; a comparable combination of education, job-specific certifications, and experience, including military service, may be considered in lieu of a degree.
Candidates considered for the position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations.
The position is subject to Section 19 of the Federal Deposit Insurance Act and, for any registered role, applicable SAFE Act and/or FINRA requirements concerning certain criminal history.

Nice To Haves

History of proven production.
Preferred skills include banking products, client prospecting, customer relationships, customer solutions, documentation, innovation, mortgages, and sales.
Competencies include customer experience management, effective communications, financial analysis, loan origination, matrix management, mortgage products, sales tasks and activities, scheduling work and activities, and selling.

Responsibilities

Recommend loan solutions in accordance with lending guidelines and clients’ requirements.
Manage a portfolio of customer relationships and seek opportunities to retain existing clients and develop new ones.
Conduct sales calls.
Develop and prepare loan solutions and refer products and services.
Review documentation to ensure compliance.
Manage the customer pipeline for efficiency.
Collaborate with internal and external stakeholders to complete mortgage transactions.
Collect and analyze customer financial information for multifaceted and/or complex borrowers.
Apply customer-focused practices and manage risks in accordance with PNC’s Enterprise Risk Management Framework.

Benefits

Medical and prescription drug coverage, including a Health Savings Account feature, for eligible full-time employees.
Dental and vision options.
Employee and spouse/child life insurance.
Short- and long-term disability protection.
401(k) with PNC match.
Pension and stock purchase plans.
Dependent care reimbursement account.
Back-up child and elder care.
Adoption, surrogacy, and doula reimbursement.
Educational assistance, including select fully paid programs.
Wellness program with financial incentives.
Maternity and/or parental leave, depending on eligibility.
Up to 11 paid holidays each year, depending on eligibility.
9 occasional absence days each year, unless otherwise required by law, depending on eligibility.
15 to 25 vacation days each year depending on career level and years of service, subject to eligibility.