Mortgage Loan Officer

• Recommend loan solutions according to lending guidelines and client requirements
• Manage daily loan activities of a small, high-performing Mortgage Loan Officer team
• Manage a portfolio of customer relationships
• Seek prospective opportunities to retain and develop new clients
• Prepare loan solutions and refer other banking products and services
• Review documentation for compliance
• Grow, retain, and develop an effective sales force covering the market geography
• Manage personal and team pipelines for efficiency
• Collaborate with internal and external stakeholders to complete mortgage transactions
• Collect and analyze customer financial information for multifaceted and complex borrowers
• Assess and manage business risks in accordance with PNC's Enterprise Risk Management Framework
• Maintain customer-focused decision-making and create customized customer solutions

Mortgage Supervising Loan Officer

• Act as liaison between customers and the financial institution
• Help qualified applicants acquire loans in a timely manner
• Evaluate credit worthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine applicable ratios and metrics and set up debt payment plans
• Communicate with clients to request or provide information
• Justify approval or rejection decisions and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Assess customer needs, explore options, and introduce different types of loans
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines
• Perform other duties as assigned
• No supervisory responsibilities

Senior Residential Mortgage Loan Officer, RMLO

• Recommend loan solutions to existing firm customers and prospective clients sourced through strategic initiative platforms
• Manage a portfolio of customer relationships
• Seek prospective opportunities to retain and develop new clients
• 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
• Apply customer-focused decision-making and manage risks in accordance with PNC’s Enterprise Risk Management Framework

Senior Mortgage Loan Officer

• Recommend loan solutions to existing firm customers and prospective clients sourced through strategic initiative platforms
• Manage a portfolio of customer relationships
• Seek opportunities to retain and develop new clients
• 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
• Demonstrate customer-focused decision-making and create customized customer solutions
• Assess and manage risks in accordance with PNC's Enterprise Risk Management Framework

• 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
• 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
• Deliver customer-focused solutions and manage risks in accordance with PNC's Enterprise Risk Management Framework

• Recommend loan solutions according to lending guidelines and client requirements
• Manage a portfolio of customer relationships
• Identify opportunities to retain and develop new clients
• Conduct sales calls
• Develop and prepare loan solutions
• Refer products and services
• Review documentation for 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
• Maintain customer-focused practices and manage risks in accordance with PNC's Enterprise Risk Management Framework

• Interview and counsel members about first mortgage loans
• Take mortgage loan applications
• Establish and maintain personal relationships with members
• Guide and follow mortgage loans from initial application through loan closing
• Determine applicants' qualifications
• Provide detailed information about Navy Federal's mortgage and equity loan products
• Clarify complexities of the mortgage/equity loan process
• Evaluate, personalize and recommend financing alternatives
• Build and maintain referral relationships with realtors, builders and other centers of influence
• Work Monday–Friday, 8:00 AM–4:30 PM

Mortgage Loan Officer I/II

• 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 contain required documentation
• Manage customer expectations regarding processing times and closing dates
• Generate referrals for mortgage sales opportunities and other company business lines
• Develop plans to achieve sales goals with sales management
• Enter information into mortgage loan systems and create supporting files
• Send applications and required information to underwriting
• Underwrite loans using point-of-sale underwriting systems within authority
• Communicate loan decisions and additional information needed to customers
• Submit materials to processing, clear conditions, finalize loan commitments, and prepare for closing
• Coordinate with customers, underwriters, processors, realtors, closing agents, and others
• Attend closings as needed
• Maintain knowledge of industry practices, mortgage laws, regulations, products, and procedures through training and seminars
• Participate in homebuyer seminars, home shows, brokers' meetings, and home financing workshops
• Recommend changes to products, programs, and pricing
• Ensure TD Bank maintains successful audits and examinations
• Handle complex mortgage needs

• Assist Loan Officers with loan documentation and review efforts throughout the mortgage loan application process
• Ensure required application information is included, including documentation, assets, income, and liabilities
• Review loan application packages for completeness, data integrity, accuracy, fraud indicators, and inconsistencies
• Review moderately complex files, identify issues, and determine solutions before credit review or processing
• Ensure loan documentation is properly executed in accordance with legal, regulatory, and Navy Federal policy standards
• Prepare complete and accurate file submissions for underwriting review, including verification documentation, loan files, loan packages, credit reports, tax filings, and title requests
• Review documentation for discrepancies, omissions, and income calculations; coordinate with members to verify and update information
• Follow up and respond to member and internal inquiries
• Screen and make calls and provide mortgage origination support as needed
• Resolve moderately complex member service inquiries, requests, and problems
• Maintain compliance with applicable federal and state laws, regulations, and Navy Federal policies and procedures
• Perform other duties as assigned

Mortgage Loan Officer Assistant

• Respond to inbound mortgage inquiries through phone, email, online banking, digital channels, referrals, and other approved sources
• Interview members and prospective borrowers to understand financing needs, financial circumstances, goals, and timing
• Educate members on mortgage products, terms, rates, requirements, repayment options, and costs
• Recommend appropriate mortgage solutions based on member needs, financial profile, loan purpose, and lending programs
• Initiate and manage mortgage applications from initial inquiry through closing
• Obtain, review, and analyze borrower information and documentation
• Underwrite, approve, recommend, or decline mortgage applications within lending authority and guidelines
• Coordinate complex, high-value, or high-risk mortgage loans with internal partners
• Maintain ownership of member relationships and provide timely status updates
• Manage follow-up activities on assigned inbound mortgage opportunities
• Collaborate with processors, credit analysts, underwriting, closing, lending support, and external transaction partners
• Ensure disclosures, closing documents, HMDA information, and other loan documentation are accurate and timely
• Assess and execute pricing and sale of residential mortgage loans in accordance with policies and secondary-market requirements
• Maintain a file quality target of 97% or greater
• Identify cross-selling and referral opportunities for additional Credit Union products and services
• Stay current on mortgage products, underwriting guidelines, regulations, and secondary-market requirements
• Meet goals related to mortgage production, loan quality, member experience, response times, efficiency, and fee income
• Comply with applicable federal and state laws, regulations, Credit Union policies, and lending procedures