Mortgage Loan Officer

PNC•Toms River, NJ

4d•Onsite

About The Position

At PNC, employees work together to deliver a strong customer experience in an inclusive workplace. This Mortgage Loan Officer role is part of PNC’s Mortgage organization and is based in Monmouth or Ocean County, New Jersey. PNC describes itself as an in-office company and encourages candidates to discuss workplace expectations with their recruiter and hiring manager. PNC will not provide employment visa sponsorship or participate in STEM OPT for this position. The Mortgage Loan Officer recommends loan solutions that meet lending guidelines and client requirements; manages customer relationships and a portfolio; identifies opportunities to retain or develop clients; and makes sales calls. The role develops loan solutions, refers products and services, reviews documentation for compliance, and manages the customer pipeline. It also collaborates with internal and external stakeholders to complete mortgage transactions and collects and analyzes financial information for multifaceted or complex borrowers. Employees are expected to focus on customers and effectively manage risks in accordance with PNC’s Enterprise Risk Management Framework. The position has a listed base salary of $37,440 per year and is incentive eligible, with incentive payments based on company, business, and/or individual performance. Experience at this level typically includes a university or college degree and less than one year of professional experience, or successful completion of a formal development program. In lieu of a degree, a comparable combination of education, job-specific certification, and experience may be considered. The posting lists “No Degree” and no required certifications. Candidates may be subject to additional background checks under Consumer Financial Protection Bureau regulations and applicable FDIA, SAFE Act, and/or FINRA requirements.

Requirements

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

Nice To Haves

Preferred skills: 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 pursue opportunities to retain and develop clients.
Make 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 developing customized solutions.
Assess and manage risks associated with business objectives and activities in support of 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.
Nine 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.