Loan Officers

**Position Overview**

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a Branch Manager within PNC's Retail Branch organization, you will be based in Tucson, AZ at the Broadway & Rosemont branch. Bilingual Spanish Preferred.

**Job Description**

+ Responsible for leading all aspects of branch performance. Drives revenue and customer loyalty through consultative interactions with clients, and solutions that help them achieve financial well being. Creates a differentiated customer experience, making banking easy in an omni channel environment. Collaborates with a broad range of eco-system partners. Accountable for risk management and compliance . Builds a high performing team through the attraction, on-boarding, coaching and development of branch team members.

+ Utilizes a branded sales process to achieve sales targets and customer loyalty. Grows branch revenue through the acquisition and share-of-wallet growth of consumer and business households and through collaboration with eco-system partners. Drives business banking results primarily through business development and community involvement activities. Coaches to consultative selling to drive results and enable customer financial well-being. Has foundational understanding of balance sheet and income statement.

+ Manages and coaches to the delivery of a differentiated client experience. Coaches team to confidently engage with customers in technology enabled interactions, providing solutions and advice oriented consultation that improves client financial well-being. Leads effective problem resolution, making banking easy for customers. Connects all of PNC, delivering a seamless customer experience in an omni channel environment.

+ Drives the employee experience. Responsible for acquiring and retaining talent through effective onboarding, coaching and development. Makes talent development a priority for all branch team members . Ensures employees achieve performance and activity expectations through effective and ongoing performance management. Models PNC values by cultivating and supporting an inclusive workplace.

+ Manages operational, human capital, reputational and business risk. Exercises leadership, authority and sound decision making to mitigate sales practice risk. Ensures compliance with regulatory guidelines and adherence to established policies and procedures.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

+ **Customer Focused** - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.

+ **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

PNC also has fundamental expectations of our people managers. As a manager of talent in PNC, you will be expected to:

+ **Include Intentionally** - Cultivates diverse teams and inclusive workplaces to expand thinking.

+ **Live the Values** - Role models our values with transparency and courage.

+ **Enable Change** - Takes action to drive change and innovation that will transform our business.

+ **Achieve Results** - Takes personal ownership to deliver results. Empowers and trusts others in decision making.

+ **Develop the Best** - Raises the bar with every talent decision and guides the achievement of all employees and customers.

+ To learn more about this and other opportunities on our team.Watch this video. (https://content.pncmc.com/live/pnc/aboutus/recruiting/videos/Retail\_Banking.mp4)

**Qualifications**

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

**Preferred Skills**

Accountability, Banking, Client Counseling, Customer Experience (CX), Customer Loyalty, Decision Making, People Management, Proactive Approach, Results-Oriented

**Competencies**

Branch Banking Services, Digital Awareness, Effective Communications, Managing Multiple Priorities, Sales Management

**Work Experience**

Roles at this level typically do not require a university / college degree, but do require related experience or product knowledge to accomplish primary duties. Typically requires 3+ years of related experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

**Education**

No Degree

**Certifications**

No Required Certification(s)

**Licenses**

Candidates being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations.

**Benefits**

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/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/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.

In addition, PNC generally provides the following paid time off, depending on your eligibility*: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.

To learn more about these and other programs, including benefits for full time and part-time employees, visit pncbenefits.com > New to PNC.

_*For more information, please click on the following links:_

Time Away from Work (https://www.pncbenefits.com/timeaway.html)

_PNC Full-Time Benefits Summary_

_PNC Part-Time Benefits Summary (https://www.pncbenefits.com/pt-benefits-overview.html)_

**Disability Accommodations Statement**

If an accommodation is required to participate in the application process, please contact us via email at [email protected] . Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

**Equal Employment Opportunity (EEO)**

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

**California Residents**

Refer to the California Consumer Privacy Act Privacy Notice (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

Bring your heart to CVS Health. Every one of us at CVS Health shares a single, clear purpose: Bringing our heart to every moment of your health. This purpose guides our commitment to deliver enhanced human-centric health care for a rapidly changing world. Anchored in our brand — with heart at its center — our purpose sends a personal message that how we deliver our services is just as important as what we deliver.

Our Heart At Work Behaviors™ support this purpose. We want everyone who works at CVS Health to feel empowered by the role they play in transforming our culture and accelerating our ability to innovate and deliver solutions to make health care more personal, convenient and affordable.

At Aetna, our health benefits business, we are committed to helping our members achieve their best health in an affordable, convenient, and comprehensive manner. Combining the assets of our health insurance products and services with CVS Health’s unrivaled presence in local communities and their pharmacy benefits management capabilities, we’re joining members on their path to better health and transforming the health care landscape in new and exciting ways every day.

Aetna is recruiting for Lead Director, Network Portfolio Management, a crucial role reporting directly to the VP, Provider Digital & Network Platform Solutions. This role will be responsible for leading the capital planning and investment process on behalf of the Network & Provider organization. They will support business case development and submissions for technology investments to accelerate our business strategies. They will serve as the overall program manager for the Network & Provider investment portfolio, monitoring program financials and initiative outcomes. This individual must be detail oriented, highly organized and exhibit strong communication skills to be successful in a complex and matrixed organization.

**You’ll make an impact by** :

+ Partnering closely with finance, data and technology teams, business sponsors and project leads to monitor portfolio financials, coordinate forecasting and lead rebalancing efforts.

+ Establishing processes for reporting on value generation, business impacts and outcomes of the portfolio.

+ Establishing processes for governing and prioritizing investments in response to emerging business needs.

+ Developing an overall Network & Provider investment strategy and supporting business case development for new investments and for continued investment in multi-year projects.

+ Developing and maintaining a prioritized backlog of business cases that can be submitted in the annual process or put forth when funding becomes available throughout the year.

+ Consolidating capital submissions for the broad Network & Provider Portfolio.

**Required Qualifications**

+ 10+ years work experience in program management or consulting, with demonstrated business impact.

+ Financial acumen, strong Excel and modeling skills.

+ Proven ability to work collaboratively at all levels and balance competing priorities.

+ Strong communication, presentation, and stakeholder management skills.

+ Demonstrated ability to leverage data and insights to make informed business decisions.

**Preferred Qualifications**

+ Experience in the health insurance industry, preferably in a role related to network, provider or payer operations

**Education**

+ Bachelor's degree or equivalent professional work experience.

**Pay Range**

The typical pay range for this role is:

$100,000.00 - $231,540.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. This position also includes an award target in the company’s equity award program.

In addition to your compensation, enjoy the rewards of an organization that puts our heart into caring for our colleagues and our communities. The Company offers a full range of medical, dental, and vision benefits. Eligible employees may enroll in the Company’s 401(k) retirement savings plan, and an Employee Stock Purchase Plan is also available for eligible employees. The Company provides a fully-paid term life insurance plan to eligible employees, and short-term and long term disability benefits. CVS Health also offers numerous well-being programs, education assistance, free development courses, a CVS store discount, and discount programs with participating partners. As for time off, Company employees enjoy Paid Time Off (“PTO”) or vacation pay, as well as paid holidays throughout the calendar year. Number of paid holidays, sick time and other time off are provided consistent with relevant state law and Company policies.

For more detailed information on available benefits, please visit Benefits | CVS Health (https://jobs.cvshealth.com/us/en/benefits)

We anticipate the application window for this opening will close on: 11/22/2024

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

We are an equal opportunity and affirmative action employer. We do not discriminate in recruiting, hiring, promotion, or any other personnel action based on race, ethnicity, color, national origin, sex/gender, sexual orientation, gender identity or expression, religion, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

**Your opportunity**

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

The Ultra High Net Worth (UHNW) Lending Manager on Bank Lending Solutions (BLS) is responsible for providing a robust, premier, client application and loan servicing experience and will serve as the single point of contact for all Charles Schwab clients, employees, and internal partners interested in learning about or applying for a mortgage, pledged asset line of credit and for questions and advancements throughout the entire lending process. This team will play a key role in the success of the Bank’s lending program through delivering an outstanding client experience while helping the firm realize it’s earning potential. BLS will provide a single point of contact throughout the entire mortgage and pledge asset line application and origination process, maintaining consistent communication and providing problem resolution and troubleshooting.

BLS will handle a broad range of inquiries, issues, advancements, and products in meeting our client’s needs. The UHNW Lending Manager is a first line of defense unit position for Charles Schwab Bank and assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations in the context of their responsibilities.

**What you have**

To ensure that we fulfill our promise of “challenging the status quo,” this role has specific qualifications that successful candidates should have.

**Required Qualifications**

+ 5+ years of experience with customer service or operations in the lending industry

+ Comprehensive industry and **high net worth client solution** knowledge

+ The ability to deliver excellent client serivce and who takes the intiative to anticipate and resolve problems.

+ Excellent relationship management skills including collaborating, influencing and negotiating with individuals at various levels.

+ Initiative to create change through operational improvements, training and streamlining functions

+ Ability to work effectively with multiple partners distributed through various business divisions to resolve issues

+ Superior communication, presentation, interpersonal and listening skills.

+ Passion for service, professionalism, positivity and strong work ethic with a high level of integrity and partnership.

**Preferred Qualifications**

+ Bachelor’s degree

+ FINRA Series 9/10, 7, 63 Licenses

+ A strong understanding of sophisticated lending products, complex business entity structures, and margin lending.

**What’s in it for you**

At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

+ 401(k) with company match and Employee stock purchase plan

+ Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

+ Paid parental leave and family building benefits

+ Tuition reimbursement

+ Health, dental, and vision insurance

What’s in it for you:

At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

401(k) with company match and Employee stock purchase plan

Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

Paid parental leave and family building benefits

Tuition reimbursement

Health, dental, and vision insurance

Schwab is an affirmative action employer, focused on employing and advancing in employment, qualified women, racial and ethnic minorities, protected veterans, and individuals with disabilities in the workplace. If you have a disability and require reasonable accommodations in the application process, contact Human Resources at [email protected] or call 800-275-1281.

**Description**

**You Lead the Way. We’ve Got Your Back.**

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join #TeamAmex and let’s lead the way together.

As part of our diverse tech team, you can architect, code and ship software that makes us an essential part of our customers’ digital lives. Here, you can work alongside talented engineers in an open, supportive, inclusive environment where your voice is valued, and you make your own decisions on what tech to use to solve challenging problems. American Express offers a range of opportunities to work with the latest technologies and encourages you to back the broader engineering community through open source. And because we understand the importance of keeping your skills fresh and relevant, we give you dedicated time to invest in your professional development. Find your place in technology of #TeamAmex.

**How will you make an impact in this role?**

The Portfolio Manager role will be supporting the US Consumer & Digital Technology Portfolio reporting to the Director – Portfolio Management, and work with senior Technology and business leaders to manage the USCDT Technology Investment portfolio and Operating Expense plan with a strategic focus on investment optimization. The successful candidate will have deep investment analytics and financial management experience, relentless attention to detail, executive presentation experience, and the ability to build and leverage positive relationships with the team and partners.

Our ideal candidate is highly organized with effective communication/storytelling skills and a bias towards action. You show up with passion, are not afraid to challenge the status quo or thrive in a fast-paced environment.

**Key Responsibilities Include:**

+ Partner with the Portfolio Director to help define, plan, and build the technology investment portfolio for US Consumer & Digital Technology Portfolio.

+ Manage day-to-day Portfolio activities such as resourcing, financial modelling and data trending, risk identification.

+ Take ownership in managing and ensuring successful financial, delivery and operational outcomes across the portfolio - gathering status updates and escalating delivery risks when needed.

+ Drive delivery by creating and maintaining a comprehensive view of the organization’s tech investments.

+ Build strong partnerships with technology, product, finance, and business stakeholders to maintain and deliver against technology roadmaps.

+ Develop recommendations by connecting the dots between seemingly disparate conversations, workstreams, and data, and synthesizing feedback.

+ Enable Executive leadership decision making through development and presentation of metrics and insights covering areas of operations, delivery, finance and business.

+ Collaborate effectively and build key relationships with stakeholder teams to identify and manage milestones and overall plan.

+ Promote awareness and transparency by keeping stakeholders informed of key decisions and relevant timelines.

+ Support development of change management initiatives, implementation strategy, and enabling tools/processes.

**Minimum Qualifications:**

+ Bachelor's Degree

+ Data Analytics and Financial modeling

+ 5 years of Portfolio or Program Management experience, in a large technology organization.

+ Experience with project management approaches, tools, and phases of the project lifecycle.

**Preferred Qualifications:**

+ Ability to execute and maintain high performance under tight timelines.

+ Superb written and verbal communication; advanced or expert PowerPoint and visual presentation skills.

+ Working knowledge of software development processes and Agile methodologies; experience with modern approaches preferred.

+ Literacy in financial modeling/analysis; should be able to connect strategy to financial results.

+ Excellent at building relationships and inspiring others.

+ Ability to influence others and move toward a common vision or goal.

+ Flexible and adaptable; able to work in ambiguous situations.

+ Organized with a natural inclination for planning strategy and tactics.

+ Problem solving and root cause identification skills.

+ Must be a team player and able to work collaboratively with and through others.

+ Familiarity with project management approaches, tools, and phases of the project lifecycle.

**Qualifications**

Salary Range: $110,000.00 to $190,000.00 annually bonus benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

+ Competitive base salaries

+ Bonus incentives

+ 6% Company Match on retirement savings plan

+ Free financial coaching and financial well-being support

+ Comprehensive medical, dental, vision, life insurance, and disability benefits

+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)

+ Free and confidential counseling support through our Healthy Minds program

+ Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

**Job:** Technology

**Primary Location:** US-New York-New York

**Other Locations:** US-Arizona-Phoenix, US-Florida-Sunrise

**Schedule** Full-time

**Req ID:** 24013779

POSITION PURPOSE

Save The Family’s Direct Services Programs are staffed with degreed Client Service Professionals. The Case Manager has a caseload of families, assisting clients with locating and securing rental housing in the community. In collaboration with clients and families, the Case Manager assists with obtaining and completing paperwork, identifying referral sources, and provides direction toward setting and meeting goals. There is a $500 signing bonus for candidates who complete six successful months of service.

MINIMUM QUALIFICATIONS
· High School or GED required. A Bachelor’s degree in social services from an accredited college or university is preferred, or five years of related field experience.

· Possess strong cultural competence for both cultural and economic characteristics.

· Demonstrate proficiency in grammar and spelling.

· Demonstrate excellent interpersonal communication skills.

· Be able to proficiently speak, read and write the English language.

· Demonstrate cultural competence, treat everyone with dignity, celebrate the diversity of our community, and be inclusive of all people in our community.

· Since position requires frequent driving to various job sites to provide services and occasionally transport clients, a valid Arizona driver’s license, reliable transportation, current auto insurance, and clean driving record are required

· 25 years of age or older for liability insurance requirements.

· Valid Arizona Fingerprint Clearance Card OR must qualify for a valid Arizona Level One Fingerprint Clearance Card.

· Eligible to work in the United States of America.

· Demonstrate cultural competence, treat everyone with dignity, celebrate the diversity of our community, and be inclusive of all people in our community

· The candidate must have flexible availability. Office hours are Monday through Friday 8am-5pm, though this position has a varied work schedules and will include evenings and occasional Saturday events.

OTHER KNOWLEDGE, SKILLS AND ATTRIBUTES
· Demonstrate a commitment to the mission, vision, and values of Save the Family Foundation of Arizona.

· Demonstrate knowledge of the process for helping families secure rentals and sign leases in designated area of their assigned grant.

· Bilingual capabilities is a plus.

· Be a self-starter with excellent time management skills.

· Ability to work collaboratively with your team, as well as outside partners.

· Be familiar with Save the Family’s service population, including diverse cultural and socioeconomic characteristics.

· Demonstrate proficiency in Microsoft Office Suite including Word, Excel, and Outlook.

· Maintain strict confidentiality.

· Behave professionally in manner and appearance.

· Be consistently organized and flexible.

· Be able to work hours outside the standard Monday – Friday 8:00 AM to 5:00 PM timeframe and to travel, when necessary. This will include some evenings and occasional weekend hours.

KEY RESPONSIBILITIES
· Ongoing case management to help families secure permanent housing, income, and other additional resources to become self-sufficient for long term stability.

· Regularly meet with the clients and work with them to complete the required assessments, understand and sign prescribed documentation and service plans within the time frames required by the various housing programs

· Develop, communicate and monitor service plan goals with the team and the family.

· Work with your assigned supervisor to ensure that you are working within your program budget, spending down the approved budget and spending within approved budget items.

· While meeting with the client regularly, assess their needs and barriers to long term self-sufficiency and act as a liaison to the community, helping them find housing and other resources as needed.

· Ensure the completion of any paperwork between the tenant, the housing provider, HOM Inc. and STF in a timely manner.

· Maintain effective communication with clients to monitor timely progress and compliance with service plan goals, and meet with client tenants a minimum of two times/month, one time which must be in the home for a full in home inspection.

· Conduct service team meetings to report on client tenant progress, successes, challenges, budget updates and team progress.

· Maintain and complete organized client files (with 95% accuracy as documented by STF file audits), compile and produce reports and analyses of program effectiveness as requested, and enter data into HMIS (with 95% accuracy per HMIS audits) and other computer data base systems.

· Collaborate with the community to establish and maintain referral resources, educate the community on the STF programs.

· Record, enter, and monitor client data per contract requirements and ensure all necessary outcomes are being met and program compliance are being followed.

· Maintain detailed timekeeping and ensure accurate client information is kept to reflect budget spent down per grant requirements.

· Coordinate client tenant move-ins/move-outs and ensure communication with the team

· Provide a customer service focused effort to work with the public, volunteers, clients, and other staff members as needed.

Job Type: Full-time

Pay: $40,000.00 - $46,000.00 per year

Benefits:
401(k)
Dental insurance
Employee assistance program
Health insurance
Life insurance
Paid time off
Vision insurance

Schedule:
Monday to Friday
Weekends as needed
Ability to commute/relocate:

Mesa, AZ 85201: Reliably commute or planning to relocate before starting work (Required)
Work Location: In person

*D.R. Horton, Inc., the largest homebuilder in the U.S.*, was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for homebuyers through its mortgage and title subsidiaries. Please visit our website atwww.drhorton.comfor more information.

D.R. Horton, Inc. is currently looking for a*_Mortgage Loan Originator_*for their Financial Services Branch. The right candidate will promote and provide business development, origination of loans, relationship management with customers and clients.

*Essential Duties and Responsibilities*
* Interview mortgage applicants to understand and educate them on their financing options available. Understand the loan applicant’s goals in order to advise and review potential loan programs that would best suit their needs and stated goals
* Be accessible to the buyer and individuals involved in a loan to answer questions and/or provide updates
* Maintain reports and notes within the origination software and customer relationship management systems
* Review new leads daily and contact them to earn their business
* Daily Pipeline Management (loan application to funding process) to ensure that the loan process goes smoothly for all parties involved
* Make presentations on loan products in sales meetings and with Sales staff in builder communities
* Quickly respond to Operations in order to facilitate an efficient loan process
* Provide necessary disclosures to a loan applicant within a timely manner in accordance with regulations
* Conduct all business in a professional and ethical manner to serve customers and increase the goodwill and profit of the company
* Able to work overtime
* Able to travel overnight
* Market the company’s products and services accurately and effectively to potential business sources
* Develop sales leads for mortgages in builder communities and real estate offices
* Provide weekend coverage in builder communities and grand opening functions
* Review all documentation provided by borrower, check for accuracy, and address any discrepancies
* Be familiar and comply with all company QC policies, review updates to the manual, and attend meetings as necessary
* Provide input to management, and attend production/staff meetings
* Infrequently, assist in resolving post-closing/funding problems
* Attend loan closings when possible

*Education and/or Experience*
* Bachelor's degree from four-year college or university
* One to two years of related experience and/or training
* Must have a vehicle and a valid driver’s license
* Licensed Mortgage Loan Originator as required by state
* Possess general mortgage banking understanding (including but not limited to: lock procedures, program analysis, underwriting guidelines, and regulatory timelines)
* Ability to apply common sense understanding to carry out instructions furnished in written oral form or via DRH applications
* Proficiency with MS Office and email
* Ability to sit for majority of 8-hour workday; use hands to finger, handle or feel; reach with hands and arms; talk and hear. Specific vision abilities required by this job include close vision and peripheral vision
* The noise level is generally moderate

*Preferred Qualifications*
* Strong written and oral communication skills
* Ability to accurately and efficiently process and record a large volume of data
* Ability to act as a team player and be willing to accept constructive criticism
* Bilingual preferred

Come join a winning team with a Fortune 500 company! We are growing fast and are looking for enthusiastic attitudes and team players to join our success. We offer an excellent benefits package including:

* Medical, Vision and Dental
* 401(K)
* Employee Stock Purchase Plan
* Flex Spending Accounts
* Life Insurance
* Vacation, Sick, Personal Time and Company Holidays

*/Build YOUR future with D.R. Horton, America’s Builder. #WeBuildPeople2/*

Followus on social media @hortoncareers for an inside look at our company and connect with us on LinkedIn for up to date job listings!

LinkedIn, Twitter, Facebook, Instagram

**Job:** **Financial Services*

**Organization:** **Mortgage*

**Title:** *Mortgage Loan Originator*

**Location:** *Arizona-Tucson*

**Requisition ID:** *2406851*

Additional Job Description

Come join our amazing team!

We are currently searching for a C&I Commercial Portfolio Manager to join our Emerging Middle Market. The main responsibility of this role is to evaluate the risk level of our Custom commercial transactions and make well-informed decisions based on our company's guidelines and standards. The ideal candidate should have extensive knowledge in commercial loans and be able to effectively manage a portfolio. This position will be hybrid or remote WFH depending on location.

+ Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.

+ Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request.

+ Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis. Consolidates related entities and summarizes results.

+ Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements.

+ Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.

This role acilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

+ Identifies new sales opportunities for prospects and existing commercial clients through analysis.

+ May participate in on-site client visits with other internal stakeholders.

+ Maintains and promotes a customer service environment which meets and exceeds customer needs and expectations.

+ Recommends credit according to sound credit-granting principles.

+ Exercises individually held Commercial unilateral discretionary limits and any held prescribed approval discretionary limits.

+ Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.

+ Evaluates clients’ ability to repay loans and consults on loan structure and collateral.

+ Identifies trends in client activities which may be predictive of deteriorating credit quality.

+ Performs periodic reviews of credit where more frequent monitoring may be appropriate.

+ Understands borrower types typical in the high net worth market and their relation to collateral ownership, loan repayment, loan structure, etc.

+ Grants loan requests within specified limits, using understanding of credit scoring and risk management concepts.

+ Monitors covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement.

+ Provides accurate financial analysis and risk assessment of new and existing customers.

+ Partners with internal stakeholders for accurate, detailed client information.

+ Develops credit information to make lending decisions on new, renewal and extension loans.

+ Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.

+ Prepares summary, present facts and offer opinions concerning credit worthiness.

+ Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.

+ Provides input into the planning and implementation of operational programs.

+ Builds effective relationships with internal/external stakeholders.

+ Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.

+ Exercises judgment to identify, diagnose, and solve problems within given rules.

+ Works independently on a range of complex tasks, which may include unique situations.

+ Broader work or accountabilities may be assigned as needed. **Qualifications:**

+ Typically between 4 - 6 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

+ Technical proficiency gained through education and/or business experience.

+ Verbal & written communication skills - In-depth.

+ Collaboration & team skills - In-depth.

+ Analytical and problem solving skills - In-depth.

+ Influence skills - In-depth.

+ Data driven decision making - In-depth.

**Salary:**

$67,200.00 - $124,800.00

**Pay Type:**

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

**Equal Employment Opportunity Statement**

BMO is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected. characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law.

**We’re here to help**

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/us/en

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. BMO is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

Native American Banking & Gaming Relationship Manager

Commercial Banking

Seattle,
Washington

NA,
Washington

NA,
California

NA,
Arizona

NA,
Colorado

NA,
Nevada

**Description**

**About Us:**

Umpqua Bank is headquartered in the Pacific Northwest with 5,000+ employees and offers banking services to customers throughout the nation. It’s an especially exciting time to join our team as, following the recent merger with Columbia Bank, we have grown to become a leading western-based regional bank with more than $50B in assets under management and an unwavering commitment to our associates, our customers, and our communities.

We create a great place to work by offering a special brand of relationship banking and by providing a culture where associates thrive. Associates who embody our core values fit in well here and we are eager to meet candidates who demonstrate behaviors that align with Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships.

**About the Role:**

Serves as the key banking relationship manager for assigned middle market Native American banking relationships. Accountable for prospecting new Native American banking opportunities and working with Client Solution Managers to deepen client relationships. Maintains a "trusted advisor" role, engaging in dialogue with client contacts to assess holistic banking needs and to provide customized banking insights and solutions. Drives financial performance through profitable revenue and growth and quality credit. Prior experience working with Tribes is a prerequisite for this position.

+ Serves as the trusted advisor to clients, functions as the Native American banking “expert” and the go-to-person providing differentiating consult, ideas, and options for the largest and most complex clients. Champions and leads business development efforts by developing a clear and holistic understanding of the client’s or prospect’s business and industry. Performs client reviews to ensure the bank provides relevant solutions as clients grow and adapt.

+ Develops and maximizes established referral network. Proactively prospects for new clients and identifies ways to expand existing relationships in collaboration with Client Solutions Manager and internal partners. Identifies opportunities and partners to structure, coordinate and sponsor credit and non-credit solutions.

+ In partnership with the Client Solutions Manager, assembles and leads cross-functional team to quickly respond to customer request and identified needs. Utilizes team of experts to creatively present the full breadth of the bank.

+ Maintains active prospecting effort, including identification, qualification and calling. Consistently balances prospecting efforts and quality client maintenance responsibilities.

+ Makes decisions on loans and terms within established lending limits. Analyzes credit to determine the ability of customers and prospective customers to qualify for ensuing borrowing requirements.

+ Follows-up on current loans to ensure compliance with internal procedures and other required terms.

+ Studies middle market industrial, economic and financial situations relating to new or existing business as part of prudent business development and portfolio management disciplines.

+ Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.

+ Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

+ Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

+ May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

+ Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words.

+ Takes personal initiative and is a positive example for others to emulate.

+ Embraces our vision to become “Business Bank of Choice”.

+ May perform other duties as assigned.

**About You:**

+ Bachelor’s Degree: in Business, finance, related field (or equivalent experience)

+ Master’s Degree - Business Administration (MBA), or related field of study

+ More than 10 years of relevant Tribal banking experience and proven track record of exceeding performance in developing business. - Required

+ 4-7 years of high-performance experience serving commercial clients with $25MM+ annual revenue. – Required

+ Proven track record of success in developing new business, growing market share and establishing/growing a quality supportive network.

+ Experience working in relationship management teams with a proven understanding of the importance of balancing business development and asset quality. Proven ability to constructively work within (lead) a team in effort to deliver holistic, customized banking relationships.

+ Expert credit acumen (accounting, financial statement, understanding business and understanding of operational cash flow) with the ability to support the most complex deals. Working knowledge of the bank’s systems and policies applicable to underwriting and portfolio management

+ Thorough knowledge of bank’s risk-rating system, credit products and underwriting policies. Exceptional working knowledge with structuring credit products to middle market business in diverse industries with complex ownership structures.

+ Excellent relationship management and business development abilities, analytical and problem-solving skills, sales skills, and credit and credit quality skills.

+ Confirmed superior client relationship and internal partnering skills. Ability to work effectively with individuals and groups across the company to manage customer relationships.

+ Demonstrates excellent written and verbal communication and presentation skills

+ Possesses strong computer skills including use of the Microsoft Office suite with the ability to learn new business software, as needed.

+ Ability to train and present to small and large audiences.

+ Superior technical credit expertise. Readily mentors others to grow their skillsets in this space.

+ Ability to negotiate/collaborate with Senior Credit Officers on credit terms and structures.

+ Superior technical credit expertise. Readily mentors others to grow their skillsets in this space.

+ Experience with syndications, asset-based lending, capital structure finance, leveraged lending, enterprise value lending, and trade finance.

+ Experience with underwriting and/or managing Shared National Credits (SNC).

+ Travel - Frequent.

**Workstyle:**

Fully onsite

**Our Benefits:**

We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $139,792.73 to $259,615.00, and the pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation and those details will be provided during the recruitment process.

We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

**Our Commitment to Diversity:**

Umpqua Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email:

**To Staffing and Recruiting Agencies:**

Our posted job opportunities are only intended for individuals seeking employment at Umpqua Bank. Umpqua Bank does not accept unsolicited resumes or applications from agencies and Umpqua Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Umpqua Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

**Position Overview**

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a(n) Supervising Loan Officer within PNC's Mortgage organization, you will be based in Tucson / Northern Arizona region.

This position is a producing supervising loan officer role with salary and incentive.

**Job Description**

+ Recommends loan solutions in accordance with lending guidelines and clients' requirements. Manages daily loan activities of a small, high performing Mortgage Loan Officer team.

+ Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Prepares loan solutions and refers other banking products and services; reviews documentation to ensure compliance.

+ Grows, retains and develops an effective sales force to cover the geography of the market. Manages own and team's pipeline for efficiency.

+ Collaborates with internal and external stakeholders to complete mortgage transactions.

+ Collects and analyzes customer financial information for multifaceted and/or complex borrowers.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

+ **Customer Focused** - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.

+ **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

**Qualifications**

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

**Preferred Skills**

Banking Products, Client Prospecting, Customer Needs (Inactive), Customer Relationships, Customer Solutions, Documentations, Innovation, Lending (Inactive), Mortgages, Sales

**Competencies**

Coaching Others, Customer Experience Management., Effective Communications, Financial Analysis, Loan Origination, Matrix Management, Mortgage Products., Sales Tasks And Activities, Selling.

**Work Experience**

Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

**Education**

No Degree

**Certifications**

No Required Certification(s)

**Licenses**

Candidates being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations.

**Benefits**

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/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/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.

In addition, PNC generally provides the following paid time off, depending on your eligibility*: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.

To learn more about these and other programs, including benefits for full time and part-time employees, visit pncbenefits.com > New to PNC.

_*For more information, please click on the following links:_

Time Away from Work (https://www.pncbenefits.com/timeaway.html)

_PNC Full-Time Benefits Summary_

PNC Part-Time Benefits Summary (https://www.pncbenefits.com/ft-benefits-overview.html)

**Disability Accommodations Statement**

If an accommodation is required to participate in the application process, please contact us via email at [email protected] . Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

**Equal Employment Opportunity (EEO)**

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

**California Residents**

Refer to the California Consumer Privacy Act Privacy Notice (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

An Associate Portfolio Manager (APM) at Stoker Ostler Wealth Advisors works directly with 5-9 different Portfolio Managers to manage the execution of client investment strategies using Tamarac. This involves helping to facilitate the daily monitoring of clients’ portfolios. In this capacity, APM identifies asset categories that have deviated a desired amount from their original target allocations and present a rebalancing opportunity. When APM has identified a rebalancing opportunity, they work with Portfolio Managers to implement the appropriate trading actions, such as selling certain assets with relative outperformance and buying certain assets with relative underperformance. APM also assists in the monitoring of cash reserve requirements and implementing strategies that enhance the tax efficiency of portfolios such as tax-loss harvesting. APM monitors the escalating fixed income individual bonds list, bond sales and building bond ladders. Also, may provide stock, bond, ETF, and mutual fund research and analysis. APM participates in the Investment Committee.

Desirable Qualities:

+ Detail oriented

+ Tech savvy

+ Quick-learner

+ Motivated

+ Team player

+ Calm under pressure

+ Ability to multi-task and meet deadlines

+ Positive personality

+ Tamarac experience a plus

+ Interest in CFA a plus

**Salary:**

$57,200.00 - $106,600.00

**Pay Type:**

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

**We’re here to help**

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/us/en

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. BMO is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.