Loan Processing Analyst (MLO)

PNC

1d • Remote

About The Position

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 an Loan Processing Analyst (MLO) you would be within the PNC's Home Equity Fulfillment organization, based out of Arizona or Colorado. Hours of Operations: Monday through Friday 8:00AM-5:00PM local time. Job Description Processes, analyzes and verifies submitted individual credit and income documents to ensure that varied and complex residential loan applications are complete. Manages customer experience throughout the origination process. Ensures compliance with established policies and procedures. Partners with internal and/or external partners to route communications, documents or other action items to complete transactions. Identifies and may address exceptions; escalates appropriately. Manages the review and processing of residential loan information of varying complexity, including loan applications and credit documents. Prepares and forwards documents to appropriate parties. Verifies all required borrower documents are collected and acceptable under the company's policies and procedures. Ensures these documents have been received. Provides responses and documentation for inquiries and ad hoc requests. Completes research and provides feedback on workflow and work received. Recommends best practices to team members. May participate in projects and initiatives. 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.

Requirements

• Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role.
• Roles at this level typically require an Associates or equivalent degree as well as related experience or product knowledge to accomplish primary duties.
• Typically requires 3+ years experience.
• In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Nice To Haves

• Strong verbal and written communication skills.
• Excellent organizational and time management abilities.
• Effective problem resolution and critical thinking skills.
• Proficient knowledge of PNC’s documentation and compliance requirements.
• Advanced PC skills and ability to navigate multiple systems.
• Ability to read and interpret complex loan documents.
• Detail-oriented with a high level of accuracy.
• Capital Management
• Corporate Accounting
• Credit Assessment
• Customer Experience (CX)
• Investment Banking
• Loan Applications
• Real Estate Lending
• Accuracy and Attention to Detail
• Decision Making and Critical Thinking
• Effective Communications
• Flexibility and Adaptability
• Influencing
• Managing Multiple Priorities
• Operational Functions
• Problem Management Process
• Products and Services

Responsibilities

• Serve as primary point of contact for borrowers, ensuring clear communication and expectation setting throughout the loan process.
• Works with internal or external service partners to resolve exceptions or maintain documentation. Has the ability to analyze documents and requests.
• Strong negotiating skills to overcome customer objections to products, services, and /or policies, ability to work independently to handle customer escalations and disputes.
• Must have the ability to communicate with attorneys, customers, vendors, insurance agencies and/or other third parties and pro-actively pursue resolution of issues.
• Manage a pipeline of approximately 55 loan applications, leveraging EMO and EMU tools for tasking, checklists, and scripting.
• Collect required documentation, verify loan conditions, and coordinate closing appointments.
• Responds to moderately complex to complex customer inquiries and issues via telephone by using standard screens, scripts, and procedures while delivering exceptional client experiences aligned with the PNC CARES model.
• Achieve performance metrics including booked unit goals, end-to-end cycle time, call monitoring scores, and NPS targets.
• Processes, analyzes and verifies submitted individual credit and income documents to ensure that varied and complex residential loan applications are complete.
• Manages customer experience throughout the origination process.
• Ensures compliance with established policies and procedures.
• Partners with internal and/or external partners to route communications, documents or other action items to complete transactions.
• Identifies and may address exceptions; escalates appropriately.
• Manages the review and processing of residential loan information of varying complexity, including loan applications and credit documents.
• Prepares and forwards documents to appropriate parties.
• Verifies all required borrower documents are collected and acceptable under the company's policies and procedures.
• Ensures these documents have been received.
• Provides responses and documentation for inquiries and ad hoc requests.
• Completes research and provides feedback on workflow and work received.
• Recommends best practices to team members.
• May participate in projects and initiatives.

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; 9 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree