Mortgage Loan Officer

PNC Bank•San Diego, CA

14d•$37,440 - $37,440•Onsite

About The Position

As a Mortgage Loan Officer in PNC’s Mortgage organization, the employee will be based in the San Diego, California area. The role recommends mortgage loan solutions that meet lending guidelines and client requirements, manages customer relationships and pipeline activity, and seeks opportunities to retain existing clients and develop new ones. The position includes sales calls, loan origination, review of documentation for compliance, and coordination with internal and external stakeholders to complete mortgage transactions. It also involves collecting and analyzing 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 position is incentive eligible, with payment based on company, business, and/or individual performance. Candidates will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations. PNC will not provide employment visa sponsorship or participate in STEM OPT for this position.

Requirements

Demonstrate the 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.
In lieu of a degree, a comparable combination of education, job-specific certifications, and experience, including military service, may be considered.
Candidates 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

A history of proven production.
Skills in banking products, client prospecting, customer relationships, customer solutions, documentation, innovation, mortgages, and sales.
Competencies in 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.
Seek opportunities to retain and/or develop new clients.
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.
Focus on customer needs and satisfaction when making business decisions and creating customized customer solutions.
Assess and manage risks associated with business objectives and activities in alignment with PNC’s Enterprise Risk Management Framework.

Benefits

Medical and prescription drug coverage, with 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 programs that are fully paid.
Wellness program with financial incentives.
Maternity and/or parental leave, depending on eligibility.
Up to 11 paid holidays each year, depending on eligibility.
Nine occasional absence days each year, unless otherwise required by law, depending on eligibility.
Between 15 and 25 vacation days each year, depending on career level and eligibility.