Mortgage Loan Officer

PNC•Waco, TX

4d•Onsite

About The Position

As a Mortgage Loan Officer within PNC's Mortgage organization, the employee is based in the Central TX region and recommends mortgage loan solutions that align with lending guidelines and clients' requirements. The role manages customer relationships and a customer pipeline, identifies opportunities to retain or develop clients, and makes sales calls. It develops loan solutions, refers products and services, and reviews documentation for compliance. The Mortgage Loan Officer 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 requires customer focus and effective risk management in accordance with PNC's Enterprise Risk Management Framework. PNC will not provide employment visa sponsorship or participate in STEM OPT for this position.

Requirements

Roles at this level typically require 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 must demonstrate appropriate knowledge, skills, and abilities for the role.
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.

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.
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 financial information for multifaceted and/or complex borrowers.
Focus on customer needs and satisfaction when making business decisions and creating 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, with a Health Savings Account feature.
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.
15 to 25 vacation days each year, depending on career level and years of service.