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Senior Mortgage Loan Officer-HLC SIT

PNC · WI · $37,440–$45,303 a year · Full time

Posted Sep 29, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a time you had to tell a borrower they didn't qualify. How did you handle it?

What they are checking: Whether they deliver bad news with empathy and offer a path forward, which protects the customer relationship.

What's your production history, and what has driven it?

What they are checking: Whether their volume is consistent and built on repeatable habits, which a senior loan officer needs.

What would you do

This role supports the Strategic Initiative Team, working leads from PNC's own customer platforms. How is that different from working purchased or cold internet leads?

What they are checking: Whether they understand that existing customers expect a different level of care and familiarity with their relationship.

A customer is upset because closing was delayed by an underwriting condition. What do you do?

What they are checking: Whether they own communication and solve problems with operations instead of blaming others.

How do you refer customers to other PNC products when it makes sense during a mortgage?

What they are checking: Whether they look at the full relationship and make appropriate referrals, as the posting expects.

About the work

Walk me through how you'd structure a refinance for a customer who wants to lower their payment and take some cash out.

What they are checking: Whether they can weigh rate, term, closing costs and equity and explain the tradeoffs honestly.

How do you calculate debt-to-income, and what do you do when a borrower is just over the limit?

What they are checking: Whether they know underwriting basics and can look for legitimate options without bending the rules.

How do you keep a large remote pipeline organized and moving on time?

What they are checking: Whether they have systems and discipline to manage many loans without in-person supervision.

What do TRID and fair lending rules require of you in your day-to-day conversations?

What they are checking: Whether they understand mortgage compliance well enough to avoid errors that create regulatory risk.

How do you keep your home office secure when handling borrower documents?

What they are checking: Whether they take confidentiality seriously in a remote setup, as the posting requires.

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The full job description

As published by PNC.

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 Home Lending Center Senior Loan Officer within PNC's Mortgage organization, you will be based remote. This position will support our Strategic Initiative Team (SIT). This position may not be available in all geographic locations. This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. Job Description • Recommends loan solutions to existing firm's customers and/or perspective clients sourced through firm's strategic initiative platforms. • Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. • 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. Language Assessments No Required or Preferred Language Assessments Pay Transparency Base Salary: $37,440.00 – $45,303.00 Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance. Application Window Generally, this opening is expected to be posted for two business days from 09/29/2026, although it may be longer with business discretion. 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. To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com . Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com . 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. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history. California Residents Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

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