Mortgage Loan Officer

PNC Bank • Toms River, NJ

19h • Onsite

About The Position

As a Mortgage Loan Officer within PNC's Mortgage organization, you will be based in Monmouth or Ocean County, New Jersey. PNC describes itself as an in-office company that fosters a supportive culture 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 loan solutions consistent with lending guidelines and client requirements, manages customer relationships and loan pipelines, and develops new business through sales calls and prospective-client opportunities. It develops loan solutions, refers relevant products and services, reviews documentation for compliance, and collaborates with internal and external stakeholders to complete mortgage transactions. The officer also collects and analyzes financial information for multifaceted and complex borrowers.

Employees are expected to focus on customer needs and satisfaction when making business decisions and to assess and manage risks in accordance with PNC's Enterprise Risk Management Framework. The role is incentive eligible, with incentive payment based on company, business, and/or individual performance. Candidates may be subject to additional background checks required by Consumer Financial Protection Bureau regulations. This position is also subject to applicable FDIA requirements and, for registered roles, SAFE Act and/or FINRA requirements.

Requirements

• Appropriate knowledge, skills, and abilities for the role.
• 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. A comparable combination of education, job-specific certifications, and experience, including military service, may be considered in lieu of a degree.
• Candidates may be subject to additional background checks 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, the SAFE Act and/or FINRA requirements, which prohibit hiring individuals with certain criminal histories.

Nice To Haves

• Skills listed as preferred include banking products, client prospecting, customer relationships, customer solutions, documentation, innovation, mortgages, and sales.
• Competencies listed 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.
• Seek prospective opportunities to retain and/or develop new 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.
• Assess and effectively 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 plan.
• 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.
• 15 to 25 vacation days each year depending on career level and years of service, subject to eligibility.

What This Job Offers

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