Mortgage Loan Officer

• 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
• Assess and manage risks in accordance with PNC's Enterprise Risk Management Framework

• Sell and originate residential mortgage loans to sales goals
• Meet with prospects referred by realtors, developers, attorneys, and internal and external referral sources
• Explain mortgage products and services and recommend options based on prospect needs
• Guide customers through the mortgage application process
• Ensure applications are accurate and include required documentation
• Manage customer expectations regarding processing times and closing dates
• Generate referrals for mortgage opportunities and other company products
• Develop plans to achieve sales goals with sales management
• Enter loan information into the mortgage loan system and create supporting files
• Send applications and required information to underwriting and processing
• Underwrite loans using point-of-sale underwriting systems within authority
• Communicate loan decisions and additional information needed to customers
• Finalize loan commitments and prepare loans for closing
• Coordinate with customers, underwriters, processors, realtors, closing agents, and others
• Attend closings as needed
• Maintain knowledge of mortgage products, laws, regulations, policies, and industry trends
• Participate in homebuyer seminars, home shows, brokers' meetings, and financing workshops
• Recommend changes to products, programs, and pricing
• Support successful TD Bank audits and examinations
• Handle complex mortgage needs