Clay Holmes

• Acquire and deepen the branch customer base through a variety of proactive sales and customer service activities. Manage the customer experience by identifying opportunities to improve the customer's financial wellbeing. Collaborate with ecosystem partners to grow customer's share of wallet. Positions PNC solutions to drive new revenue and customer loyalty.

• Drive proactive sales conversations through internal and outbound interactions with a defined sales process including outbound calling, service to sales, teller interactions, appointment setting and effective lobby engagement, ultimately elevating client loyalty. Deliver a full PNC conversation with every client interaction to identify appropriate PNC solutions. Leverage ecosystem partnerships as well as community Centers of Influence to acquire, expand and retain relationships.

• Creates customer loyalty and grows customer share of wallet through a differentiated customer experience. Performs lobby engagement activities to connect with customers and position PNC products to meet their needs. Educates customers on options for managing financial transactions by leveraging technology, tools and resources.

• Apply product and procedural knowledge to identify, mitigate and solve customer problems effectively to drive customer loyalty.

• Manages risk through adherence to all policies and procedures, demonstrate sound judgment within established limits. Demonstrates a heightened scrutiny to identify and avoid loss. Participates in branch daily operations, ensuring they are completed in an efficient and accurate manner.

• 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.

• Evaluation of loan documentation to approve/deny the loan.
• Analyzing the risk involved in approving a loan to determine whether or not it is acceptable to the lender.
• Review full package of documents and audit the file abiding by the policies and guidelines of the lender in order to sell the loan to the investor. Ensure the file does not have any discrepancies or errors which would make the loan unsaleable.
• Review of legal documents to ensure the accuracy & completeness.
• Validating that a prospective mortgagor’s loan application adheres to the Freddie or Fannie Mae’s guidelines to approve the loan.
• Credit analysis based on borrower’s Capital, Income/employment, Credit history and Collateral to determine the credit worthiness of a customer.
• Post funding audit of prime and equity loans, primarily the audit of the Underwriters.
• Assist internal customers in finding loan programs for various borrowers, documenting and presenting files.
• Underwriting of mortgage loans using guidelines based on investors specifics and FNMA and FHLMC specifics. FHA underwriter,
• Clearance of all prior to doc conditions to ensure loan quality and smooth closing process.
• Contact external end investors for difficult scenario questions in order to determine the salability of mortgage loans.
• Review and analyze borrower profiles, credit reports, title reports, income documentation and assets, including complex business returns and financials
• Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and asset documentation, appraisal, etc., to ensure that each loan meets secondary market, investor and company standards.

• Determine if there are any risk and/or possible misrepresentation during the loan application review process.
• Look over all mortgage items and conditions that borrowers provide to make sure that all pertinent information is included to approve and meet the necessary guidelines utilizing internal and external (e.g.
• HUD FHA underwriting, and Manual underwriting
• Agency) policies and procedures (e.g.
• AUS like DU)).
• Verify and clear conditions on all loans and ensure once all information is gathered that it is accurate, properly classified and organized, compliance standards are met, and it is in congruence with company policies.
• Stay up-to-date on the latest loan products and origination requirements and regularly make recommendations for improvement opportunities to management based on the current underwriting environment.
• Assess applications and appropriate disclosures to make sure they are compliant with all of the investor, Federal, and State requirements.
• Review updated documentation and issues final loan decision.
• Review and clear conditions as needed to complete loan file.
• Readily available to Loan processors, Closer and Loan Consultant for questions on specific loan files and interpretation of feedback reports from automated systems.
• Provide feedback on quality of loan submissions by completing underwriting feedback form.
• Participates in Underwriting Meetings and on project teams as needed.
• Reviews loans which receive an automated underwriting finding of refer or caution to determine if there is an ability to issue an approval based on the credit risk of the loan.