Loan Officers

**Overview:**

Manages all activities of a branch. Responsible for the overall success of the branch operating model, including customer and employee experience, digital engagement, transactions/operations, servicing, and sales. Has personal production responsibility.

**Primary** **Responsibilities** **:**

+ Responsible for overall profitability by directing sales and business development, meeting operational objectives and ensuring the branch achieves its annual goals.

+ Leads team through coaching, performance management, and setting priority. Builds and develops branch staff.

+ Identifies Retail and Business Banking customer needs through the M&T sales processes, using the tools and resources to assist customers with short and long term solutions.

+ Proactively prospects and grows Business Banking relationships through outreach. Builds the bank’s presence in the community

+ Conducts interviews and selects employees based on staffing model.

+ Actively models and coaches customer service and needs determination behaviors. Reinforces and maintains accountability for execution of Retail strategy.

+ Ensures operational and requirements are maintained, to include consumer and business banking guidelines. Ensures compliance with operational, security and control policies/procedures, preventing fraud and protecting customer assets.

+ Takes ownership of complex account servicing and error resolution issues, including those escalated by other Bankers. Provide coaching and guidance to improve and reduce future problem resolution/escalations.

+ Engages with all team members and business partners as appropriate.

+ Independently processes all Business Banking loan requests up to $100,000. Proactively bundle products and services as appropriate.

+ Adheres to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.

+ Promotes an environment that supports diversity and reflects the M&T Bank brand.

+ Maintains M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.

+ Completes other related duties as assigned.

+ Exercises usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.

**Scope of Responsibilities:**

This position reports to a Retail Regional Manager and leads the branch team to achieve annual sales and profitability goals, and has a sound working knowledge of the overall operations of the branch.

Branch Managers have the responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.

Branch Managers must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions. In addition, Insurance licensing minimum expectations must be maintained as outlined in MTS Licensed Banker Academy document. Business Banking Specialist minimum expectations will be set by both the Branch and Retail Regional Manager.

Branch Managers will typically spend some of their time servicing existing customers, and the majority of the time growing the business through proactive sales and outside calling activities.

Branch Managers are responsible for building productive partnerships with appropriate areas of the bank to ensure customer needs, service issues, and employee issues are resolved timely and accurately. Branch Managers are responsible for taking full ownership of customer issues until they are completely resolved.

**Supervisory/ Managerial Responsibilities:**

Branch Managers generally have direct reporting responsibility for branch staff.

**Education and Experience Required:**

Bachelor’s degree,

OR, in lieu of degree,

Four (4) years’ relevant experience. Minimum three years sales experience

Minimum two years’ managerial experience or proven leadership abilities.

At Market Manager discretion/branch need, Life/Accident and Health Insurance licensing required within 18 months of entry into position. Note: branch provides training for licensing within 6 months.

M&T Business Banking Specialist within 18 months of hire.

Demonstrated strong knowledge of Business Banking products, services and client relationship management.

M&T Way Certified

Precision Leadership Certified Bi-lingual/Spanish preferred

Work with common PC software, including knowledge of Microsoft Office software for word processing and spreadsheets.

Experience with Internet and email preferred.

**Education and Experience Preferred:**

Demonstrated sales/business development experience and success. Has fundamental understanding of profitability.

Excellent communication and interpersonal skills.

Proven ability to demonstrate and coach exceptional customer service.

Ability to communicate and function professionally with all levels of personnel and business partners across the organization.

Strong financial services product knowledge preferred.

Strong organization, time management, and prioritization skills.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $60,890.34 - $101,483.90 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

**Location**

Orwigsburg, Pennsylvania, United States of America

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Description

At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions, are central to helping clients navigate changing circumstances. In this role, you’ll deepen relationships with your clients by collaborating with peers across banking, lending and investing, helping them with short- and long-term financial goals.

Citizens is seeking a motivated, highly successful, proven Relationship Manager with experience in moderately to less complex portfolios, and a strong grasp of sales and credit skills. This senior level performer will have an immediate impact. We reward you with an uncapped incentive opportunity and the ability to grow your career with a world class organization.

Primary responsibilities include

+ Develop consultative relationships with small business clients in your target market with annual revenues ranging from one to ten million dollars.

+ Understand the client needs, provide value added solutions, manage a portfolio of existing customers and drive new commercial customer relationships.

+ Partner effectively with an award-winning business banking team offering a wide array of product solutions that will enable you to enhance the customer experience, increase loyalty and improve the profitability of customer and the Bank

+ Complete Business Banking University and Drive Sales training in your initial four-week orientation and a commercial credit training program to insure you’re prepared to identify, assess and mitigate lending risk.

+ Maintain strong market knowledge and develop, retain and expand relationships with Centers of Influence i.e. CPA’s and Attorneys.

+ Actively engage in significant community activity to expand potential customer base.

Qualifications, Education, Certifications and/or Other Professional Credentials

+ Bachelor’s degree or equivalent combination of education and experience, required.

+ 2+ years in a Business Banking Relationship Manager role or related business lending experience preferred.

+ Business to Business sales experience required.

+ Motivated self-starter with demonstrated leadership ability and potential.

+ Successfully operate in a “team” atmosphere building upon and leveraging strong internal and external network.

+ Ability to succeed in a fast paced, demanding sales culture with measured routines and goals aimed at new loan and deposit generation, cross sales, customer service and satisfaction

+ Proficiency with portfolio/account management preferred.

+ Ability to understand core business products and services. Consistent record of sales and outside calling skills.

+ Excellent communication (written & verbal) and interpersonal skills.

+ Ability to develop strong customer and colleague relationships.

Hours and Work Schedule

+ Hours per Week: 40

+ Work Schedule: Monday thru Friday

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

01/20/2025

Description

At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions, are central to helping clients navigate changing circumstances. In this role, you’ll deepen relationships with your clients by collaborating with peers across banking, lending and investing, helping them with short- and long-term financial goals.

Citizens is seeking a motivated, highly successful, proven Relationship Manager with experience in moderately to less complex portfolios, and a strong grasp of sales and credit skills. This senior level performer will have an immediate impact. We reward you with an uncapped incentive opportunity and the ability to grow your career with a world class organization.

Primary responsibilities include

+ Develop consultative relationships with small business clients in your target market with annual revenues ranging from one to ten million dollars.

+ Understand the client needs, provide value added solutions, manage a portfolio of existing customers and drive new commercial customer relationships.

+ Partner effectively with an award-winning business banking team offering a wide array of product solutions that will enable you to enhance the customer experience, increase loyalty and improve the profitability of customer and the Bank

+ Complete Business Banking University and Drive Sales training in your initial four-week orientation and a commercial credit training program to insure you’re prepared to identify, assess and mitigate lending risk.

+ Maintain strong market knowledge and develop, retain and expand relationships with Centers of Influence i.e. CPA’s and Attorneys.

+ Actively engage in significant community activity to expand potential customer base.

Qualifications, Education, Certifications and/or Other Professional Credentials

+ Bachelor’s degree or equivalent combination of education and experience, required.

+ 2+ years in a Business Banking Relationship Manager role or related business lending experience preferred.

+ Business to Business sales experience required.

+ Motivated self-starter with demonstrated leadership ability and potential.

+ Successfully operate in a “team” atmosphere building upon and leveraging strong internal and external network.

+ Ability to succeed in a fast paced, demanding sales culture with measured routines and goals aimed at new loan and deposit generation, cross sales, customer service and satisfaction

+ Proficiency with portfolio/account management preferred.

+ Ability to understand core business products and services. Consistent record of sales and outside calling skills.

+ Excellent communication (written & verbal) and interpersonal skills.

+ Ability to develop strong customer and colleague relationships.

Hours and Work Schedule

+ Hours per Week: 40

+ Work Schedule: Monday thru Friday

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

01/20/2025

**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 Easton, PA at the Easton branch.

**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.

Description

At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions, are central to helping clients navigate changing circumstances. In this role, you’ll deepen relationships with your clients by collaborating with peers across banking, lending and investing, helping them with short- and long-term financial goals.

Citizens is seeking a motivated, highly successful, proven Relationship Manager with experience in moderately to less complex portfolios, and a strong grasp of sales and credit skills. This senior level performer will have an immediate impact. We reward you with an uncapped incentive opportunity and the ability to grow your career with a world class organization.

Primary responsibilities include

+ Develop consultative relationships with small business clients in your target market with annual revenues ranging from one to 10 million dollars.

+ Understand the client needs, provide value added solutions, manage a portfolio of existing customers and drive new commercial customer relationships.

+ Partner effectively with an award-winning business banking team offering a wide array of product solutions that will enable you to enhance the customer experience, increase loyalty and improve the profitability of customer and the Bank

+ Complete Business Banking University and Drive Sales training in your initial four-week orientation and a commercial credit training program to insure you’re prepared to identify, assess and mitigate lending risk.

+ Maintain strong market knowledge and develop, retain and expand relationships with Centers of Influence i.e. CPA’s and Attorneys.

+ Actively engage in significant community activity to expand potential customer base.

Qualifications, Education, Certifications and/or Other Professional Credentials

+ Bachelor’s degree or equivalent combination of education and experience, required.

+ 2+ years in a Business Banking Relationship Manager role or related business lending experience preferred.

+ Business to Business sales experience required.

+ Motivated self-starter with demonstrated leadership ability and potential.

+ Successfully operate in a “team” atmosphere building upon and leveraging strong internal and external network.

+ Ability to succeed in a fast paced, demanding sales culture with measured routines and goals aimed at new loan and deposit generation, cross sales, customer service and satisfaction

+ Proficiency with portfolio/account management preferred.

+ Ability to understand core business products and services. Consistent record of sales and outside calling skills.

+ Excellent communication (written & verbal) and interpersonal skills.

+ Ability to develop strong customer and colleague relationships.

Hours and Work Schedule

+ Hours per Week: 40

+ Work Schedule: Monday thru Friday

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

01/12/2025

Description

As a Branch Manager you will drive branch performance, sales growth, and colleague and customer experience through inspirational leadership, highly collaborative partnerships, and sound operational practices. The Branch Manager is directly responsible for creating and maintaining a strong customer-centric culture and is the primary mentor and manager to branch colleagues. The role fulfills both a player and coach role in achieving team and individual sales goals by delivering product/service 'value' and differentiating solutions that address clearly understood customer needs.

The Branch Manager should have experience working in the digital space to show customers the easy accessibility of our mobile and online experience. In this capacity, the Branch Manager plays a critical role in building a diverse talent pipeline and developing colleagues to ensure their capabilities keep pace with future business needs. The Branch Manager will put performance development as priority, emphasizing the importance of continuous learning and implementing coaching plans to assist colleagues in achieving personal/branch goals.

The Branch Manager must be able to clearly communicate messages to colleagues and translate business priorities in a way that colleagues embrace and are able to execute. The Branch Manager is also responsible for the branch P&L and, therefore, must understand financials and key business drivers and use that understanding to guide sound decision-making. In addition, the Branch Manager leads, manages, and directs all colleague and sales activities to ensure P&L targets are met and exceeded. As an ambassador for our brand, the Branch Manager will be a visible representative in the field and community helping branch colleagues cultivate new customer relationships and deepen existing ones.

Qualifications, Education, Certifications and/or Other Professional Credentials

+ Associate’s or Bachelor’s degree preferred

+ High School Diploma or equivalent required

+ Leadership experience, with proven ability to coach and develop to drive sales excellence, ensure the delivery of world class customer service, and operational integrity in a high-volume branch environment.

+ 4 years sales management experience in Retail or Branch Banking environment

+ Successful record of managing objectives in meeting sales goals, deadlines and branch goals in a profit and loss environment

+ Drive an exceptional customer experience validated through customer satisfaction surveys

+ Maintain strong partnerships with community & civic organizations

+ Adaptability, flexibility and ability to work branch hours, including some weekends and evenings

+ Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining an unique identifier from the NMLS

Preferred Skills/Experience

+ Experience managing a branch with an FTE count up to: Tier I – 8 or more preferred; Tier II up to 7 or more; Tier III up to 7 or less; Tier 4 up to 6 or less

+ For Multi-Site locations qualified candidate will be skilled in remote or multi-unit management

+ For an Evergreen position your assigned location will be determined within 90 days and could be in an In-Store or Traditional branch.

Success Factors

Knowledge, skills & abilities that typically lead to success in the job include:

+ Holding others accountable

+ Coaching

+ Inspiring

+ Team Leadership

+ Customer service

+ Risk acumen

+ Business partnering

+ Problem solving

+ Retail banking

+ Talent sourcing & assessment

Hours and Work Schedule

+ Hour per Week:

+ Work Schedule:

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

GENERAL SUMMARY Direct and supervise branch staff in providing quality service to members in the areas of account transactions, lending, new accounts and solving problems within established policies and guidelines. Implement actions to achieve or exceed branch lending and member service goals and other key goals that will contribute to the growth of the branches and the credit union as a whole. ESSENTIAL FUNCTIONS Maintain a highly motivated, well-trained staff, implementing the credit union standards to ensure high quality of service to members. Apply and evaluate policies and procedures for the branch. Ensure that the branch is in compliance with credit union established policies and procedures. Ensure that the branch is in compliance with federal laws and regulations set forth by the National Credit Union Administration and other regulatory agencies. Monitor branch activity, including member and business accounts, loans and teller transactions. Monitor key products, services and sales within branch to ensure profitable and sound business practices. Create and maintain a cross-selling environment within the branch. Coach employees on sales techniques and product knowledge in order to insure that the branch will meet established goals. Monitor the progress of individual employees in meeting their established monthly goals. Calculate and document incentives accordingly. Evaluate the job performance of Member Service Officers, Member Service Representatives and Tellers to ensure quality of work and service to members. Recommend salary increases. Responsible for the scheduling of MSOs and MSRs. Assist staff or personally resolve member complaints and inquiries at the branch level. Recruit and select qualified applicants for vacancies, ensuring that the branch is adequately staffed. Ensure that all employees receive appropriate training have the necessary competencies to perform the functions required in their role. Hold periodic staff meetings to discuss areas needing improvement, changes in procedures, new services and to present general information. Oversee the physical maintenance of the branch facility, ensuring everything is properly maintained and in good working order. Report needs and problems to the VP of Branch Operations. Ensure the equipment and supply needs of the branch are adequate, placing orders when needed. Manage the security and safety of the branch. Analyze and monitor security and safety policies and procedures on an on-going basis. Maintain current knowledge of all Credit Union policies and procedures, including compliance with federal laws and regulations as set forth by the NCUA and other regulatory agencies. Represent the credit union within the community by developing and promoting additional business opportunities. NOTE: The list of essential functions is not exhaustive. It may be supplemented as necessary. ADDITIONAL FUNCTIONS Attend scheduled meetings with the VP of Branch Operations to discuss branch needs, changes in procedures, new services and general information. Serve as a Member Service Officer (See MSO job description.) JOB SPECIFICATIONS Professional, well-developed interpersonal skills necessary for supervising branch staff and interacting with members and other individuals involved in the member service and lending process. Requires knowledge of all Credit Union policies and procedures and all credit union products and services. Knowledge of the Credit Union movement also preferred. Requires strong sales skills or the willingness to learn sales skills in order to meet monthly sales goals for credit union products and services. Requires completion of high school education. At least three years of MSO experience is required. Experience in lending is required. Previous management preferred. Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.) Requires PC proficiency and knowledge of Office Suite. PHYSICAL REQUIREMENTS Sitting = Continuous Crawling = Occasional Standing = Frequent Climbing = Occasional Walking = Frequent Balancing = Occasional Driving an automobile = Occasional Reaching Overhead =Occasional Lifting/Carrying = Occasional Reaching Forward = Occasional Amount of Weight = 15 to 25lbs. Kneeling = Occasional Squatting = Occasional Push/Pull = Occasional Bending = Occasional Twisting = Occasional DISCLAIMER The above information on this description has been designed to indicate the general nature and level of work performed by employees in this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.

**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.**

Need Help? (https://www.brainshark.com/bbandt/careers-site-faq)

_If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility ([email protected]?subject=Accommodation%20request)_

_(accommodation requests only; other inquiries won't receive a response)._

**Regular or Temporary:**

Regular

**Language Fluency:** English (Required)

**Work Shift:**

1st shift (United States of America)

**Please review the following job description:**

Responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. Accountable for recommending credit structures with respect to quality and profitability within assigned geographies. Fundamental duties include ensuring that the risk philosophy, risk appetite, and lending strategies are adhered to while maintaining a high level of client responsiveness. Analyze financial statements and navigate a wide variety of financial structures, credit scenarios. Ensure commercial lending activities are executed according to Truist's policies and procedures. Builds effective relationships with Risk Management and client managers.

**LOCATION:**

**Must be willing to sit in-office 4 days a week (1 day remote)**

+ **Greensboro, NC**

+ **Orlando, FL**

+ **Richmond, VA**

+ **Alpharetta, GA**

+ **Lancaster, PA**

No Full Remote/Telecommute. No Relocation Assistance

**ESSENTIAL DUTIES AND RESPONSIBILITIES**

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages in a moderate sized or large homogeneous portfolio. Ensure packages are complete, accurate and thoroughly documented

2. Analyze and/or recommend adjustments to financial statement spreads

3. Interact with client, verbally and in writing, on pending loan requests or portfolio management actions

4. Understand and articulate all Truist Wholesale Credit policies, procedures and processes. Recommend credit within the Bank's risk appetite, and document when and why exceptions are appropriate. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, SBA lending, and other product offerings

5. Exercise prudent credit judgment through individual loan authority, if applicable

6. Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, risk management and banking in general

**Level II:**

**QUALIFICATIONS**

**Required Qualifications:**

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor's degree, or equivalent education and related training

2. 3 years of experience in commercial lending and/or credit experience

3. Comprehensive commercial lending, underwriting, and regulatory knowledge

4. Demonstrated effective problem solving skills

5. Understanding of financial and cost accounting principles

6. Strong interpersonal, written, and communication

7. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

**Preferred Qualifications:**

1. Master's degree in Finance, Accounting, Economics, Business or equivalent financial industry training

2. Demonstrated proficiency in commercial lending systems

**Level III:**

**QUALIFICATIONS**

**Required Qualifications:**

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor's degree, or equivalent education and related training

2. 5+ years of experience in commercial lending and/or credit experience

3. Comprehensive commercial lending, underwriting, and regulatory knowledge

4. Demonstrated effective problem solving skills

5. Understanding of financial and cost accounting principles

6. Strong interpersonal, written, and communication

7. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

**Preferred Qualifications:**

1. Master's degree in Finance, Accounting, Economics, Business or equivalent financial industry training

2. RMA - Credit Risk Certification

3. Demonstrated proficiency in commercial lending systems

**General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/)

. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

**_Truist supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Truist is a Drug Free Workplace._**

EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC\_KnowYourRights\_screen\_reader\_10\_20.pdf)

Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp\_%20English\_formattedESQA508c.pdf)

E-Verify (https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify\_Participation\_Poster\_ES.pdf)

**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.**

Need Help? (https://www.brainshark.com/bbandt/careers-site-faq)

_If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility ([email protected]?subject=Accommodation%20request)_

_(accommodation requests only; other inquiries won't receive a response)._

**Regular or Temporary:**

Regular

**Language Fluency:** English (Required)

**Work Shift:**

1st shift (United States of America)

**Please review the following job description:**

Responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. Accountable for recommending credit structures with respect to quality and profitability within assigned geographies. Fundamental duties include ensuring that the risk philosophy, risk appetite, and lending strategies are adhered to while maintaining a high level of client responsiveness. Analyze financial statements and navigate a wide variety of financial structures, credit scenarios. Ensure commercial lending activities are executed according to Truist's policies and procedures. Builds effective relationships with Risk Management and client managers.

**LOCATION:**

**Must be willing to sit in-office 4 days a week (1 day remote)**

+ **Greensboro, NC**

+ **Orlando, FL**

+ **Richmond, VA**

+ **Alpharetta, GA**

+ **Lancaster, PA**

No Full Remote/Telecommute. No Relocation Assistance

**ESSENTIAL DUTIES AND RESPONSIBILITIES**

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages in a small or homogeneous portfolio. Ensure packages are complete, accurate and thoroughly documented

2. Analyze and/or recommend adjustments to financial statement spreads

3. Interact with client, verbally and in writing, on pending loan requests or portfolio management actions

4. Understand and articulate all Truist Wholesale Credit policies, procedures and processes. Recommend credit within the Bank's risk appetite, and document when and why exceptions are appropriate. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, SBA lending, and other product offerings

5. Exercise prudent credit judgment through individual loan authority, if applicable

6. Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, risk management and banking in general

**Level I:**

**QUALIFICATIONS**

**Required Qualifications:**

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor's degree, or equivalent education and related training

2. Entry level experience in commercial lending, credit experience, and/or classes/training program

3. Rudimentary commercial lending, underwriting, and regulatory knowledge

4. Effective problem solving skills

5. Understanding of financial and cost accounting principles

6. Strong interpersonal, written, and communication skills

7. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

**Preferred Qualifications:**

1. Demonstrated proficiency in commercial lending systems

**Level II:**

**QUALIFICATIONS**

**Required Qualifications:**

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor's degree, or equivalent education and related training

2. 3 years of experience in commercial lending and/or credit experience

3. Comprehensive commercial lending, underwriting, and regulatory knowledge

4. Demonstrated effective problem solving skills

5. Understanding of financial and cost accounting principles

6. Strong interpersonal, written, and communication

7. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

**Preferred Qualifications:**

1. Master's degree in Finance, Accounting, Economics, Business or equivalent financial industry training

2. Demonstrated proficiency in commercial lending systems

**General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/)

. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

**_Truist supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Truist is a Drug Free Workplace._**

EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC\_KnowYourRights\_screen\_reader\_10\_20.pdf)

Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp\_%20English\_formattedESQA508c.pdf)

E-Verify (https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify\_Participation\_Poster\_ES.pdf)

**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 Mortgage Loan Officer within PNC's Mortgage organization, you will be based in State College, PA.. This position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager’s discretion.

**Job Description**

+ Recommends loan solutions in accordance with lending guidelines and clients' requirements.

+ Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Responsible for sales calls.

+ Develops and prepares loan solutions and refers products and services; reviews documentation to ensure compliance. Manages customer 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 Relationships, Customer Solutions, Documentations, Innovation, Mortgages, Sales

**Competencies**

Customer Experience Management., Effective Communications, Financial Analysis, Loan Origination, Matrix Management, Mortgage Products., Sales Tasks And Activities, Scheduling Work and Activities, Selling.

**Work Experience**

Roles at this level typically require a university / college degree with < 1 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 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.