Loan Officers

Arizona Central Credit Union Ranked Top 10 Best Places to Work in AZ for 2025

"The 10 best places to work in financial services" AZBIGMEDIA

Arizona Central Credit Union offers a comprehensive benefits package, including medical, dental, vision, 401k with up to 6% match, an employee assistance program, and much more.

Role:

This position will be responsible for; opening new accounts, processing member transactions, loan applications, and assisting the branch manager with all activities associated with branch operations at our Show Low location.

Summary of Responsibilities:

+ Identifies member financial needs and offers solutions and products to meet those needs.

+ Assists branch manager in developing and communicating clear expectations for staff.

+ Assists the manager with the hiring, direction, development, training, motivation and discipline of branch personnel to consistently meet member needs as well as meeting branch goals in support of the credit union achieving its strategic goals and objectives.

+ Actively engages with members to build business and increase branch loan production. Works with staff on strategies to increase branch membership and grow loan production.

+ Processes loan applications in accordance with credit union policies and procedures. Offers members ancillary products on loans to help protect members and the credit union.

+ Monitors workflows, applications, and finished work to ensure compliance with credit union policies and procedures.

+ Assists branch manager with monthly compliance audits.

+ Manages branch effectively and efficiently when branch manager is absent.

+ Develops and maintains business partner relationships within the surrounding community and work collaboratively with the Partner Alliance department to increase branch membership.

Hours:

+ Monday - Friday: 8:45 am - 5:45 pm (no weekends)

Knowledge, Skills and Abilities:

+ Experience: Three to five years of similar or related experience.

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Relationship Manager

Are you a natural born people person who thrives on cultivating relationships with others? Does being a strategic thinker strike a chord with you? Look no further; a Relationship Manager Associate at Capital One is the opportunity for both! This role will facilitate strong partnerships with dealers and sales managers while providing high level customer service to our internal Auto Finance business. You will be influencing 60-80 dealerships, building positive relationships with them while supporting the outside sales managers.

A Relationship Manager will also be the first line of contact for Capital One Auto Finance (COAF) involving issues in underwriting and funding. Furthermore, the Relationship Manager makes outbound phone calls to dealers to capture their business for COAF, while also taking inbound calls from the dealers to strategically analyze their potential territories resulting in a game plan to achieve a target goal. A Relationship Manager will monitor and make adjustments to the plan as the month progresses to achieve the desired goals.

**General Responsibilities:**

+ Cultivate positive relationships with our dealerships.

+ Optimize communication skills by creating strategic deals and goals with dealerships over the phone.

+ Review the structure in underwriting for COAF

+ Guide the deals in house for funding.

+ Analyze territory production goals.

+ Partner successfully with peers and teammates to efficiently achieve operational alignment and mutual objectives.

**Schedule Expectations**

+ Available ~3 Saturdays a month as needed to cover dealer inquiries and escalations with Tuesday, Wednesday or Thursday off

+ In office 5 days a week for the first 90 day training period

+ Potential to work up to 2 Sundays a month with Tuesday, Wednesday or Thursday off

**Basic Qualifications:**

+ High School Diploma, GED, or equivalent certification

+ At least 1 year of experience in Financial Services or at least 1 year of Business to Business Sales experience

**Preferred Qualifications:**

+ Bachelor’s Degree in Business

+ 2+ years experience in Auto Finance

+ 2+ years experience in Customer Relations

+ 5+ years experience in Customer Service

**At this time, Capital One will not sponsor a new applicant for employment authorization for this position.**

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Sales Territory: $72,800 - $83,100 for Relationship Manager - COAF

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website (https://www.capitalonecareers.com/benefits) . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.

No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Do you have a passion for helping others? Do you enjoy making a difference? Do you want to work with awesome co-workers? If you answered yes we might be a good fit for you!

We are proud of our history! Since 1929, we have been dedicated to delivering quality products and services that help our members achieve financial success. We've been committed to helping people do cool things like establish credit, finance their first car and even learn how to balance a checkbook for a really long time well, since 1929 anyway. How cool is that? Were proud that we are Arizona's FIRST credit union and were still as dedicated to delivering quality products and services to our members now as we were back then. Our commitment to creating a People Helping People culture is as strong as ever.

We are looking for people who enjoy helping others, building relationships, crave a culture of mutual support and want to strengthen our team with their unique qualities. Become part of the First Credit Union team by applying for our Assistant Manager opportunity.

Summary/Objective
Responsible for assisting Branch Manager in guiding the branch staff by providing quality service to members, through sales and service of products with the expectation of meeting or exceeding branch and individual goals. This person requires an ability to communicate effectively with prospective and established members while representing the credit union in a positive manner that supports our FIRST values.

Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Thorough knowledge of Credit Union products and services.
Assist Branch Manager in maintaining a highly motivated, well-trained team while promoting strong employee relations.
Provide leadership, guidance and training while assisting with problem solving efforts, including but not limited to, assessing situations and making judgment calls, member related issues, member engagement/service experience, out of balance conditions, ensuring compliance with CU policy and all State/Federal regulations.
Monitor service quality for members and ensure employees are effectively maximizing cross-selling opportunities. Provide education on and refer beneficial products/services.
Conduct monthly one-on-one coaching sessions with all team members, providing feedback to ensure they meet expectations, and are on target to meet assigned goals.
Represent and promote the Credit Union professionally and positively within the community (SEG visits, Chamber networking, community events).
Assist in managing the security and safety of the branch, by upholding security and safety policies and procedures. Educate/notify staff regarding practices and/or changes to such policy/procedure.
Ensure compliance, accuracy with all internal controls in alignment of established policies and procedures.
Ability to handle confidential/sensitive information in a professional manner.
Assist with coordinating and communicating performance related matters in partnership with HR.
Open and close assigned branch location and oversee the daily operations of the branch in the absence and in partnership with Branch Manager (as assigned).
Effectively communicate changes, issues, questions, and updates among staff, manager, and solutions teams.
Ensure timely follow-up and follow-thru of work and communication between branch and solution teams.
Maintain professional and technical knowledge by participating in training programs, educational workshops, reviewing professional publications/podcasts including all CU annual assigned trainings.
Experience in maintaining compliance with all governing regulations, particularly the Bank Secrecy Act, which involves handling Currency Transaction Reports and appropriately monitoring and reporting any suspected suspicious activities. Additionally, well-versed in the requirements set by the Office of Foreign Assets Control (OFAC).
Competencies

Outstanding customer service orientation.
Strong numeric ability.
Accuracy and attention to detail.
Computer proficiency.
Stress management/composure.
Good listening and communication skills.
Honesty and integrity.
Teamwork.
Leadership and supervisory skills.
Supervisory Responsibility
This position is responsible for supervising branch staff, coaching as assigned by Branch Manager.

Work Environment
This job operates in a branch setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, cash recyclers, ATM, Instant Issue and machines. Physical presence in the branch setting is required.

Physical Demands
This position requires manual dexterity, the ability to lift and/or move up to 25 pounds. This position requires bending, stooping, or standing as necessary.

Position Type/Expected Hours of Work
Ability to work flexible schedule Monday through Friday.

Travel
Periodic travel to other FCU locations may be required.

Qualifications
Required Education and Experience

High school diploma or equivalent. College graduate highly desirable.
Three years related experience and/or training; or equivalent combination of education and experience.
Preferred Education and Experience

Previous cash handling experience.
Previous experience with a credit union is highly desirable.
Additional Eligibility Qualifications

Multi-lingual capabilities to include Spanish are a plus.
Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Summary/Objective
Responsible for all aspects of day-to-day operations of the branch. This includes providing exceptional leadership, communication, team development, and member service. As the leader of the branch, it is important to initiate and coach staff towards strategic goals and ensure that they align with our FIRST Values. Maintain high standards and provide exceptional service to our members.

Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Leadership responsibility for all aspects of day-to-day branch operations.
2. Maintain communications between the branch and management by preparing daily, weekly, and monthly reports regarding branch operations and productivity.
3. Provide leadership, guidance and training while assisting with problem solving efforts, including but not limited to, assessing situations and making judgment calls, member related issues, member engagement/service experience, out of balance conditions, ensuring compliance with CU policy and all State/Federal regulations.
4. Coach staff to fulfill annual business plan goals.
5. Conduct monthly one-on-one coaching sessions with all team members, providing feedback to ensure they meet expectations, and are on target to meet assigned goals.
6. Maintain knowledge of the Credit Unions’ products and services to efficiently train and motivate staff to cultivate strong member relationships through cross sales.
7. Schedule, supervise, and motivate branch staff to maintain optimal member service satisfaction levels.
8. Represent and promote the Credit Union professionally and positively within the community (SEG visits, Chamber networking, community events).
9. Ensure oversight of audit procedures to maintain adherence with controls, and promptly notify the Director of Branch & Member Experience, Operations of any identified weaknesses.
10. Monitor branch activity, including number of transactions, loan volume, sales volume, & overall branch performance to ensure the team is maximizing opportunities to enhance member engagement with products & services.
11. Holds responsibility for quality assurance/compliance of all branch records including review of all new membership applications. Deviances from procedure will be documented and reviewed with staff.
12. Provide consistent communication, follow-up and follow-thru with team members, solutions teams and management.
13. Promotes process improvements that enable optimal member experiences (simple and easy to do business with).
14. Evaluate individual staff performance by preparing and presenting annual reviews and conducting/logging consistent coaching sessions.
15. Coordinate and communicate performance related matters timely in partnership with HR.
16. Uphold the security and safety of the branch, by analyzing security and safety policies and procedures. Notify staff of any changes.
17. Ability to handle confidential/sensitive information in a professional manner.
18. Formulate recommendations and provide feedback to management regarding operational policies and procedures.
19. Ensure compliance with all internal controls and established policies and procedures.
20. Comply with the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).
Competencies
1. Outstanding customer service orientation.
2. Strong numeric ability.
3. Accuracy and attention to detail.
4. Computer proficiency.
5. Stress management/composure.
6. Good listening and communication skills.
7. Honesty and integrity.
8. Teamwork.
9. Leadership and supervisory skills.
Supervisory Responsibility
This position has supervisory responsibilities.
Work Environment
This job operates in a branch setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Physical presence in the branch setting is required.
Physical Demands
This position requires manual dexterity, the ability to lift and/or move up to 25 pounds. This position requires bending, stooping, or standing as necessary.
Position Type/Expected Hours of Work
Ability to work flexible schedule Monday through Friday.
Travel
Periodic travel to other FCU locations may be required.
Required Education and Experience
1. High school diploma or equivalent. College graduate highly desirable.
2. Three years related experience and/or training; or equivalent combination of education and experience.
Preferred Education and Experience
1. Previous cash handling experience.
2. Previous experience with a credit union highly desirable.
Additional Eligibility Qualifications
1. Multi-lingual capabilities to include Spanish are a plus.
Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this position. Duties, responsibilities, and activities may change at any time with or without notice.

+ **This is a licensed position requiring the SIE, Series 6, 63, Life and Health insurance.**

+ Please note that this is a hybrid work arrangement.

**_The mission of Premier Services is to help mass affluent clientele make real financial progress by understanding and planning for what comes next._**

A BMO Senior Premier Relationship Manager is charged with managing and growing an assigned portfolio of mass affluent clients. Each RM partners with multiple branch locations and a team of financial advisors to identify new opportunities and deliver a differentiated experience. Our customer-centric approach prioritizes client goals through financial planning, delivering solutions that are tailor made for the individual. Premier Relationship Managers play the role of our banking product experts and process all banking solutions, including checking, savings, and lending needs.

As a **Licensed Senior Premier Relationship Manager** at BMO, you will:

+ Serve as the customers’ relationship manager providing personalized attention to uncover their specific financial needs and goals, backed by BMO’s expertise, technology, and resources.

+ Acts as the primary client contact to uncover financial needs and provide meaningful solutions in compliance with regulatory and compliance policies. Works collaboratively within the market, BMO partners, and the community to build relationships and deliver the desired customer experience.

+ Enjoy a tremendous, values-based culture that focuses on providing you with all the tools and support necessary for your success.

+ Work with your internal partnerships to leverage their expertise to provide comprehensive strategies and solutions for our affluent customers’ financial needs.

+ Enjoy a competitive base salary, quarterly incentives, and annual bonus opportunities, as well as comprehensive benefits with a company that celebrates big ideas, supports your personal and professional growth, and makes a real impact in local communities.

**BMO IS ON AN EXCITING JOURNEY…**

We have built a digitally-enabled, future-ready bank with leading efficiency, profitability, and loyalty – all powered by a Winning Culture and driven by our Purpose to Boldly Grow the Good, _in business and life_ . We’ve been recognized as a great place to work, for our focus on diversity & inclusion and for always putting the customer first. **_You belong here!_**

**This is a licensed position requiring the SIE, Series 6, 63, Life and Health**

+ Proactively builds and manages an assigned portfolio of mass affluent clients across multiple branch locations.

+ Acts as the primary client contact to uncover financial needs and provide meaningful solutions in compliance with regulatory and compliance policies.

+ Works collaboratively within the market, BMO partners, and the community to build relationships and deliver the desired customer experience.

+ Uses a consultative sales process to develop strong customer relationships, acts as client’s trusted advisor and primary point of contact.

+ Proactively works with assigned customer portfolio to uncover needs, provide solutions, and identify additional sales opportunities.

+ Makes key recommendations on products, pricing, and services; links customer to business partner experts based on key financial decisions.

+ Achieves results and meets sales targets by acquiring new assets from existing client portfolio and new client acquisition.

+ Proactively works with branch business partners to identify existing customers that meet the target profile and create a calling plan.

+ Review credit applications to ensure sound credit granting principles; recommends remedies to maintain acceptable asset and credit quality.

+ Executes quality customer review meetings for retention and relationship expansion purposes.

+ Actively participates in the community to identify prospects through relationship building efforts and identify centers of influence (e.g. law and accounting firms) and two-way referral relationships.

+ Provides individual and group training to mentor and coach branch personnel to enhance their knowledge and skills around the mass affluent client.

+ Educates clients about available digital options for conducting banking transactions and provides guidance in the use of digital and self-serve technologies.

+ Liaises between clients and various departments across the organization to provide product support as well as diagnose and solve problems within given rules.

+ Follows security and safeguarding procedures and applies due diligence in accordance with Bank’s policies and ethical standards for the prevention of loss due to fraud, robbery, counterfeiting, money laundering, or defalcation.

+ Maintains the confidentiality of customer and Bank information in compliance with Bank policies and procedures.

+ Identifies risks and takes appropriate actions, including all documentation and other regulatory requirements to maintain operational integrity.

+ Monitors individual exception reports and takes action to remove exceptions.

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

+ Executes work to deliver timely, accurate, and efficient service.

+ 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; post-secondary degree in related field of study preferred, not required.

+ 7+ years of experience in a financial services organization with knowledge of banking products, services, pricing, and profitability.

+ Required: SIE Exam, Series 6, Series 63, Life & Health licenses (if licenses not currently held, required within six months of role start date).

+ Advanced understanding of deposit, loan (including mortgage) and banking products and practices, cash flow analysis, lending process and directives, credit risk policies and standards, supporting processes, applicable legal and regulatory requirements, and Bank policies.

+ Excellent understanding of brokerage and insurance products.

+ Excellent knowledge of business services, including retirement plans, business banking solutions, insurance, and succession planning – required.

+ Excellent understanding of personal trust and investment management – required.

+ In-depth knowledge of client portfolio management.

+ 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.

U.S. Only: This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). This position will require a Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will instruct you on the registration requirements needed to comply with this requirement. A criminal background review and credit history evaluation will be required for this position as well as restrictions on performing in a real estate agent capacity.

**Salary:**

$51,800.00 - $95,900.00

**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

**About Us**

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 proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.

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.

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

As a dedicated Loan Officer, you will, within defined guidelines and framework, deliver impactful customer service to members while providing mortgage product solutions that facilitate the member's financial security. You will facilitate mortgage product sales and member service through multiple channels to include phone, email, mail and digital platform while providing individualized mortgage loan recommendations and meet established monthly metrics. As a Loan Officer you will also deepen member relationships through needs assessment and solution offerings from USAA products and services as well as stays highly engaged in the mortgage industry, to include changes to Fannie and Freddie guidelines.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position is based out of Phoenix,AZ.

Relocation assistance is not available for this position.

What you'll do:

* Under limited direct supervision, follows established written risk, compliance and regulatory requirements to process VA and Conventional mortgage loans, both purchase and refinance within a service level objective requirement.
* Based on predetermined requirements, assesses, and grants or rejects mortgage applications.
* Manages a pipeline of member calls for mortgage products; conducts daily phone calls and manages voicemail/email correspondence
* Partners closely with Processors, Underwriters and Closers to deliver on the mortgage products within a specified period of time. Responds to member and third-party phone calls to keep appropriate parties informed of loan status.
* Stays updated on compliance and regulatory requirements and identifies and manages existing and emerging risks that stem from business activities; ensures risks associated with business activities are effectively measured, monitored, and controlled.
* Establishes and maintains successful partnerships with Real Estate Agents.
* Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

* High School Diploma or General Equivalency Diploma required.
* 2 years of mortgage sales experience or relevant customer service experience within a financial services organization.
* Successfully complete mortgage products assessment.
* Acquisition and maintenance of applicable licenses/state registrations as required.

What sets you apart:

* 3+ years Mortgage Consumer Direct Experience
* Current or Prior NMLS #
* US military experience through military service or a military spouse/domestic partner

Compensation range:The base salary for this role is $45,000 annual, with an un-capped tiered incentive program.

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
PDN-9f7f0fb8-430d-4a24-a845-eb2895436670

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

USAA is seeking a talented Financial Institutions Relationship Manager Senior to manage and provides operational oversight of USAA's external annuity distribution and select technology service providers. Responsible for delivering end-to-end operational, process, and service excellence through ongoing management and oversight of annuity operations, service and technology suppliers. Ensures timely and satisfactory resolution and communication of new business, post issue and service to include escalations, and exceptions.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Tampa, FL, or Plano, TX. Relocation assistance is not available for this position.

What you'll do:

* Monitors key distributor satisfaction and performance metrics to understand and apply data driven insights to inform business strategies to achieve business goals and operational efficiencies.
* Participates as a subject matter expert on new distributor implementation and launch.
* Participates in monthly operations business review meetings supplier and service provider firms to review service level targets, identify business trends and to uncover opportunities to develop operational and business process efficiencies.
* Responsible for timely and appropriate resolution of escalations from external distribution partners.
* Identifies opportunities to document and facilitate improvements to processes. Assists with developing functional policies, procedures, and guidelines.
* Participates in periodic business review meetings with senior executives at distributor and/or supplier and service provider firms to foster relationships and uncover opportunities to develop operational efficiencies.
* Responsible for new account implementation and business development with external distributors.
* Identifies and manages business operational controls to ensure adherence to appropriate risk level.
* Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

What you have:

* Bachelor's degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. (Total of 10 years of experience without Bachelor's Degree)
* 6 years of experience in annuity product sales, relationship management, and/or annuity operations.
* 3 years of experience in annuity and/or life insurance distribution through full-service brokerage and bank broker dealer firms.
* Excellent relationship management skills and demonstrated ability to influence decisions at all leadership levels.
* Subject-matter-expert level of business acumen in the areas of annuity business operations, broker dealer sales processes and paperwork, sales suitability, industry practices and emerging trends required.
* High level knowledge of investments, annuities and/or life insurance products.
* Strong relationship management skills and demonstrated ability to influence decisions at senior leadership levels.
* Strong issue resolution and follow-up skills.
* Strong executive-level communication and interpersonal skills, with the ability to effectively navigate and mediate conflict and foster honest dialog.
* 10% travel may be required

What sets you apart:

* US military experience through military service or a military spouse/domestic partner
* 3 or more years technical experience working with Zinnia Solution (Formerly Annuity Net), Firelight, DTCC, iPipeline
* 3 or more years annuity operations experience with working knowledge of annuity products and the third-party distribution sales process
* 3 or more years of experience in annuity operations support and service, preferably within a broker-dealer or insurance company utilizing third-party annuities distribution.
* 2 or more years of experience working with a business process outsourced (BPO) firm.

Compensation range:The salary range for this position is: $114,080 - $218,030.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
PDN-9f7f0fba-5fbe-4d07-9f19-48e9417d99f7

Responsibilities:

Identify and communicate the actions needed to implement the function's strategy and business plan within the business area or department; explain the relationship to the broader organization's mission, vision, and values; motivate people to commit to these tenets and do extraordinary things to achieve local business goals.

Develop and implement relationship management plans for complex existing customer accounts to identify and build relationships with relevant decision-makers and influencers within the customer organization and to enable effective two-way flow of information and resolution of issues. Manage ongoing relationships with identified customer segments to ensure their needs are met, providing themes, summary analyses, and recommendations for changes based on customer input.

Configure a complex product-and-services solution and associated contractual terms that meet the customer's mid- to long-term needs, taking input from relevant internal specialists. Present the solution to customer representatives and negotiate agreement within a predefined range of commercial parameters, or, alternately, review sales proposals from team members and authorize those that deviate from standard terms, escalating issues to senior management where appropriate.

Develop a personal network within the business sector and represent the organization at business sector events. Obtain market intelligence and enhance the visibility and reputation of the organization, its products, and its services.

Manage and report on the performance of a substantial, diverse team; set appropriate performance objectives for direct reports or project/account team members and hold individuals accountable for achieving them; take appropriate corrective action where necessary to ensure the achievement of team/personal objectives.

Oversee an operational area with guidance from senior colleagues. Could involve responsibility for development or delivery (or both).

Develop internal marketing plans and work collaboratively with other departments to improve internal relationships and build strong external customer relationships.

Manage and develop important customer relationships with guidance from senior colleagues, and/or manage an account team delivering day-to-day support. Customers are likely to include mid-tier companies, multinational corporations, and the like.

Develop and implement relationship management plans for complex potential customer accounts to identify and build relationships with relevant decision-makers and influencers within the customer organization and to enable effective two-way flow of information and resolution of issues.

Develop and/or deliver budget plans with guidance from senior colleagues.

Use the organization's formal development framework to identify the team's individual development needs. Plan and implement actions, including continuing professional development specified by professional or regulatory institutions, to build their professional capabilities. Provide informal training or coaching to others throughout the organization in own area of expertise to enable others to improve performance and fulfill personal potential.

Skills:

Uses comprehensive knowledge and skills to work independently while providing guidance and training to others on developing appropriate plans or performing necessary actions based on recommendations and requirements.

Uses comprehensive knowledge and skills to work independently while providing guidance and training to others on planning, organizing, prioritizing and overseeing activities to efficiently meet business objectives.

Uses comprehensive knowledge and skills to act independently while guiding and training others to accurately identify and understand the key buying influences pertaining to an opportunity.

Uses comprehensive knowledge and skills to act independently while guiding and training others to acknowledge and ask questions to understand the circumstances surrounding client indifference.

Uses comprehensive knowledge and skills to act independently while guiding and training others to quickly identify and accurately articulate why a client does or does not want a change based on their business objectives and challenges.

Uses comprehensive knowledge and skills to act independently while guiding and training others to quickly and effectively establish trust within the buying centers in the client’s organization.

Acts independently to apply comprehensive understanding of the business environment and objectives developing solutions while providing guidance and training to others.

Uses comprehensive knowledge and skills to act independently while guiding and training others to propose a mutually agreed-upon agenda to start sales conversations that offer value to the client.

Uses comprehensive knowledge and skills to act independently while guiding and training others to continuously provide effective solutions and value to the client's organization.

Uses comprehensive knowledge and skills to act independently while guiding and training others to acknowledge a client's indifference and gain agreement from the client to discover the root causes of resistance.

Uses comprehensive knowledge and skills to work independently while providing guidance and training to others on developing, monitoring, interpreting and understanding policies and procedures, while making sure they match organizational strategies and objectives.

Uses comprehensive knowledge and skills to act independently while guiding and training others to quickly and accurately define the needs of the key buying influencers.

Uses comprehensive knowledge and skills to act independently while guiding and training others to articulate the customer needs in the customer's business language and business context.

Applies comprehensive knowledge to act independently while providing guidance and training to others on using clear and effective verbal communications skills to express ideas, request actions and formulate plans or policies.

Works at an advanced level to shift into and out of a mental mindsets associated with assessing the facts and circumstances of the current situation and/or environment and making the appropriate/innovative adjustments to thinking and work habits to thrive in any scenario. Typically works independently and provides guidance.

Uses comprehensive knowledge and skills to act independently while guiding and training others to arrive at mutually beneficial commitments that help move the sales/client relationship forward.

Uses comprehensive knowledge and skills to act independently while guiding and training others to clearly present solutions that link directly to the key objectives and challenges important to the client.

Uses comprehensive knowledge and skills to work independently while providing guidance and training to others on maintaining high performance while applying a change mindset to the planning, execution and monitoring of business activities during times of change.

Works at an advanced level to navigate conversations in which the customer is frustrated or unhappy with the organization. Typically works independently and provides guidance.

Uses comprehensive knowledge and skills to act independently while guiding and training others to facilitate the commercial details of an opportunity such that both parties are satisfied with the value gained.

Uses comprehensive knowledge and skills to negotiate independently while providing guidance and training to others on how to help the organization by obtaining consensus between two or more internal or external parties who may have different interests.

Uses comprehensive knowledge and skills to work independently while guiding and training others on managing projects and/or programs within desired cost, time and quality parameters.

Uses comprehensive knowledge and skills to act independently while guiding and training others to identify ideal potential clients.

Uses comprehensive knowledge and skills to act independently while guiding and training others to spend the appropriate time for the size and potential of each opportunity.

Uses comprehensive knowledge and skills to act independently while guiding and training others to uncover clients’ explicit needs and/or unforeseen opportunities and challenges.

Applies comprehensive knowledge and skills to work independently while providing guidance and training to others on reviewing and creating relevant, lucid and effective reports.

Works at an advanced level to connect with customers to strengthen the relationship, meeting personal needs through positive customer experiences. Typically works independently and provides guidance.

Uses comprehensive knowledge and skills to act independently while guiding and training others to align the client's sales process with their organization's sales process, including the key influencers/sales team members when appropriate.

Works at an advanced level to orient work in a workflow to plan, organize, and execute the steps it takes to achieve a goal to achieve higher efficiencies. Typically works independently and provides guidance.

**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 Mortgage Loan Officer within PNC's Mortgage organization, you will be based in Tucson, AZ area.

This position is a producing role with salary and incentives .

**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 Relationships, Customer Solutions, Documentations, Innovation, 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 Your PNC Total Rewards (http://yourpnctotalrewards.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 (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.

**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 Mortgage Loan Officer within PNC's Mortgage organization, you will be based in Phoenix, AZ area.

This position is a producing role with salary and incentives .

**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 Relationships, Customer Solutions, Documentations, Innovation, 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 Your PNC Total Rewards (http://yourpnctotalrewards.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 (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.