Mortgage Loan Officer

PNC Bank•Stockton, CA

1d•Onsite

About The Position

As a Mortgage Loan Officer in PNC's Mortgage organization, this role is based in the Central Valley, California market, including Fresno, Modesto, Stockton, and Sacramento. Candidates with a proven history of production in the market are considered ideal. PNC describes itself as an in-office company and encourages candidates to discuss workplace expectations with their recruiter and hiring manager. PNC does not provide employment visa sponsorship or participate in STEM OPT for this position. The role recommends mortgage solutions consistent with lending guidelines and client requirements; manages customer relationships and a sales pipeline; and develops prospective client opportunities. It involves preparing loan solutions, reviewing documentation for compliance, coordinating with internal and external stakeholders to complete transactions, and collecting and analyzing financial information for multifaceted or complex borrowers. Employees are expected to prioritize customer needs and satisfaction and effectively manage risks in accordance with PNC's Enterprise Risk Management Framework. The position has a stated base salary of $37,440 per year and is incentive eligible, with incentive payments based on company, business, and/or individual performance. Salary may vary based on geographic location, market data, and individual skills, experience, and education. Candidates considered for the role are subject to additional background checks required by Consumer Financial Protection Bureau regulations. The position is also subject to Section 19 of the FDIA and, for any registered role, applicable SAFE Act and/or FINRA requirements.

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 certifications, and experience, including military service, may be considered.
Demonstrate the knowledge, skills, and abilities appropriate to the role.
Candidates considered for the position are subject to additional background checks required by Consumer Financial Protection Bureau regulations.
The role does not provide employment visa sponsorship or participate in STEM OPT.
The position is subject to Section 19 of the FDIA and, for any registered role, applicable SAFE Act and/or FINRA requirements regarding certain criminal history.

Nice To Haves

A proven history of production in the Central Valley market.
Preferred skills include banking products, client prospecting, customer relationships, customer solutions, documentation, innovation, mortgages, and sales.
Relevant 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.
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 and creating customized solutions.
Assess and manage risks associated with business objectives and activities in accordance with 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 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.
9 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 years of service, subject to eligibility.