Mortgage Loan Officer

PNC • Mobile, AL

2d • Onsite

About The Position

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. Employees work together to deliver a strong customer experience and foster an inclusive workplace where people feel respected, valued, and able to contribute. This Mortgage Loan Officer role is part of PNC's Home Lending organization and is based in the Mobile, Alabama market. 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 role recommends mortgage loan solutions based on lending guidelines and customer requirements; manages customer relationships and sales activity; develops loan solutions and referrals; reviews documentation for compliance; manages the customer pipeline; collaborates with stakeholders to complete mortgage transactions; and analyzes financial information for multifaceted or complex borrowers. PNC expects employees to focus on customer needs and to effectively manage risks in accordance with its Enterprise Risk Management Framework.

Requirements

• 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 certification(s), and experience, including military service, may be considered.
• Demonstrate appropriate knowledge, skills, and abilities for the role.

Nice To Haves

• 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 and seek opportunities to retain existing clients or 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.
• Prioritize customer needs and satisfaction when making business decisions and creating customer 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, subject to eligibility.
• 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.
• Between 15 and 25 vacation days each year, depending on career level and years of service.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed