Business Development Officer Sr - Wealth Management (MLO)

Job description

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. As a Sr. Business Development Officer (Client Advisor)within PNC's Wealth Management organization, you will be based inBaltimore, MD.

Job Profile

• Identifies prospective AMG clients or referral sources by educating about and positioning AMG capabilities to generate awareness, deliver solutions and drive new revenue. Develops the most complex and sophisticated new client opportunities.
• Calls on prospects and Centers of Influence to sell the full spectrum of AMG products and services, generally at client location and either self-initiated or referred by internal/external partners. Cultivates referrals/leads, generates interest and collaborates with partners to close the sale.
• Engages with management and/or partners to establish and execute the appropriate activities, tactics and strategies to generate, identify and pursue new opportunities and successfully close the sale. Provides management with insight on industry trends, best practices and product needs.
• Meets with and educates partners to position the value of AMG capabilities. Assesses new business opportunities on a consistent basis, including completing book of business reviews, responding to new business inquiries and requests for proposals, and maintaining territory/focus lists. Drives team member accountability and participation.
• Maintains timely, accurate and complete sales administration tasks as determined by the business. May train, coach and/or mentor other team members.

Core Competencies

Manages Risk - Working Experience

• Assesses and effectively manages all of the risks associated with their business objectives and activities to ensure activities are in alignment with the bank's and unit's risk appetite and risk management framework.

Customer Focus - Extensive Experience

• Knowledge of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions, and ability to leverage that information in creating customized customer solutions.

Job Specific Competencies

Sales Negotiating - Extensive Experience

• Applies successful financial sale solutions to negotiation concepts and techniques; ability to negotiate successfully across the organization and with customers in a constructive and collaborative manner. Negotiate structures and closes customer sales.

Customer Experience Management. - Working Experience

• Implements the strategies and techniques used to ensure that customers have a positive experience with the organization and its products and services at every touch point.

Business Acumen - Working Experience

• Knowledge, insight, and understanding of business concepts, tools, and processes that are needed for making sound decisions in the context of the company's business; ability to apply this knowledge appropriately to diverse situations.

Effective Communications - Extensive Experience

• Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.

Decision Making And Critical Thinking - Extensive Experience

• Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions.

Managing Multiple Priorities - Extensive Experience

• Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation.

FINANCIAL SERVICES INDUSTRY - Working Experience

• Knowledge of financial services industry trends, directions, major issues, regulatory considerations and trendsetters; ability to provide specific financial knowledge and experience to help organizational development.

SALES FUNCTION - Working Experience

• Knowledge of and the ability to conduct daily and strategic activities in an organization's sales function.

Selling. - Extensive Experience

• Applies knowledge of banking products and services to meet customer needs and enable them to achieve their financial goals. Identifies prospecting approaches to identify potential customers and create opportunities to sell financial solutions and ideas to customers.

Certifications/Licenses

Candidates being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau regulations.

Required Education And Experience

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. Specific certifications are often required. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.

EEO Statement

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 No Minimum

Commercial Underwriting Officer for International, Mortgage Banker Finance & Captive Insurance

Job description

Commercial Underwriting Officer for International, Mortgage Banker Finance & Captive Insurance

The Commercial Underwriting Officer is responsible for the underwriting and documentation of larger and/or more complex loan requests for assigned Lines of Business (LOBs), underwriting a variety of loan types and structures and may have expertise in one or more LOBs, owns deal analyses and executes workflow according to established Service Level Agreements (SLAs). Also assists in the on-going monitoring of the credit exposure for assigned relationships, including renewals, reaffirmations and annual risk ratings.

Reporting Information:

The Commercial Underwriter Officer reports to the Manager Commercial Underwriting (MCU).

Position Competencies:

Successful incumbents possess strong analytical, time management and verbal and written communication skills.

Position Responsibilities:

1. Provide complete analysis of loan package for new deals, reviews and renewals

• Independently prepares and/or updates appropriate RECAP documentation for large and/or complex requests.
• Prepares collateral charts, cash flows, risk ratings and other attachments.
• Provides detailed industry analysis and understand potential impacts on the client and credit request.
• Identifies policy exceptions and independently develop mitigates and structure modifications to address or eliminate them.
• Identifies and analyzes inconsistencies and inaccuracies in customer data, including spreads, aging's, projections and other financial documents.
• Ensures complete and thorough analytical narrative and commentary on the request and makes recommendations on structural enhancements to mitigate risk or help win business.
• Evaluates strengths and weaknesses within each credit and escalates risks and other issues to MCU and/or RM or PM (Portfolio Manager).
• Independently contacts customers to obtain answers for credit requests.
• Recommends appropriate controls and covenant structure for new credit requests.
• Recommends risk rating.

2. Administration

• Calculates loan covenants and assist with tracking on complex transactions in conjunction with CSC (Credit Support Center) team for assigned relationships. Follows-up with PM/RM on violations and provide recommendation for waiver, modification or cure.
• Shares responsibility with Credit Specialists for performing OFAC checks and identifying issues.
• Serves as mentor and assists with training more junior underwriters and rotating credit analysts.
• Investigates title searches, surveys and UCC (Uniform Commercial Code) searches as requested by MCU or RM/PM. Works with PM and loan closing team as requested to resolve issues.

3. Process Sustainability

• Adheres to department procedures for workload management.
• Strives to meet or exceed SLA, or when not possible, communicate to MCU and RM/PM.
• Ensures appropriate RECAP formats/attachments are used in accordance with approved process & procedures and assists MCU with reviewing RECAPs.
• Recommends process improvements in support if continuous improvement culture within Commercial Underwriting.
• Other duties as assigned.

Travel

Travel is not required of this position.

Relocation

Relocation is not available for this position.

Qualifications

• Bachelor's Degree
• 4 years of commercial underwriting, credit and/or lending experience
• Completion of Credit College or other formal credit training
• 5 years' experience with Microsoft Office applications (Word, Excel, PowerPoint, Outlook)

Work Schedule

8:00am-5:00pm

Work Location(s)

411 West Lafayette Detroit, MI 48226

Chief Marketing Officer Realogy Holdings Corp. Madison, NJ, US

Job description

41088

Realogy Franchise Group LLC

Realogy Holdings Corp. (NYSE: RLGY) is a global leader in residential real estate franchising and brokerage.

Realogy Franchise Group (RFG) consists of many of the best-known industry brands including Better Homes and Gardens® Real Estate, CENTURY 21®, Coldwell Banker®, Coldwell Banker Commercial®, ERA®, and Sotheby's International Realty®.

NRT, a subsidiary of Realogy Corporation, is the nation’s largest residential real estate brokerage company. We own and operate companies in more than 50 of the 100 largest metropolitan areas in the United States. NRT and its affiliated companies, marketing partners and joint ventures provide mortgage, title, insurance, escrow, warranty, relocation and concierge services to NRT's family of companies.

Collectively, Realogy's franchise system members operate approximately 14,100 offices with nearly 273,200 independent sales associates conducting business in 112 countries and territories around the world.

RFG and NRT are currently seeking a talented, growth-oriented Chief Marketing Officer (CMO) to work out of our Corporate Headquarters in Madison, NJ.

What The CMO Will Do And Need

This position reports directly to the RFG President and CEO with an indirect reporting line into NRT. In collaboration with brand presidents and CMOs, the RFG CMO will drive short and long term marketing strategies that create buzz for our brands (both franchised and company-owned brokerages), which will in turn result in revenue and market share growth across all our brands. The CMO will also oversee the company’s broader thought leadership and positioning strategies, and will liaise with other functional areas as needed to provide strategic marketing support to drive operational excellence and profitability.

The CMO is part of the RFG Leadership Team and interacts with Executive Leadership as well as Board Members. The CMO will provide the leadership to and have oversight of all aspects of marketing, including brand strategy and positioning, creation and execution of campaigns (including digital, print, mobile and PR), measurement of marketing outcomes, customer analytics and satisfaction, and tactical campaigns to support key broker offices.

If you possess a strong entrepreneurial spirit and a successful track record of formulating and leading marketing strategy in a dynamic environment, we want to talk to you.

Various Responsibilities

The RFG CMO will collaborate with brand presidents and CMOs to:

• Create an overall vision and strategy for Realogy’s portfolio of brands that enables growth and differentiation. The strategy will encompass identity, tone of voice, visual representation, value proposition evolution and other key elements.
• Driving top-line and bottom-line business results.
• Foster innovation across the 5 brands based on their unique value propositions and positioning.
• Provide strategic counsel on the brand and broker-owned business marketing plans to support growth, optimized spend and profitability.
• Build capability across brands and provide oversight for all marketing campaigns and activities, including mobile, online, email, print and television advertising.
• Ensure that all marketing activities are timely, compelling and relevant.
• Identify target growth opportunities and segments based on brand personality and opportunities.
• Drive the use of the latest technology to effectively deliver company messaging to target audiences, including mobile, video, social, gaming, search, real-time media buying, reputation optimization, metrics, original content, ad retargeting, SEO and SEM.
• Support alignment between the franchised brands and owned brokerages across:
  • Structure
  • Resource allocation
  • Tool/program usage
  • Strategic focus

The CMO will develop and manage capabilities to capitalize on Realogy’s position as the only multi-brand company in real estate

• Collaborate with RFG and Realogy leadership to develop and maximize the company’s thought leadership position in the industry.
• Set strategic goals related to multi-brand market opportunities, including partnerships, affinity efforts, marketing programs, capabilities development and vendor/agency relationships.
• Oversee the CMO council to foster communication, collaboration and best practice sharing.
• Ensure cross-brand issues are proactively identified and resolved to maintain operational excellence.
• Collaborate with brand teams and HR to identify career path opportunities across the company for high opportunity talent.
• Monitor and maintain an awareness of competitive products and services and marketing activities in markets nationwide.
• Track, distill and apply marketing trends across industries for application into real estate
• Provide strategic counsel to the technology and CRM Platform, Zaplabs to create and communicate its narrative to drive usage and engagement.
• Collaborate with Zaplabs and the brands to drive the strategy and development of mobile solutions and applications, social media, natural and paid search, website optimization, and innovative new products and services.
• Evaluate the company’s and the brands’ events strategy to determine areas of opportunity
• Provide marketing support to corporate functions as needed to develop a visual identity, tone of voice and support key projects and processes
  • Franchise development
  • Operational centers of excellence
  • Diversity and inclusion
  • Legal
  • Finance
  • IT Organization
• Serve as the strategic marketing resource for key stakeholders as the company develops its data-driven capabilities
• Understand and quickly adjust to changing market dynamics, translating them into actionable strategies to achieve company objectives.
• Evaluate performance across channels, including analysis and insights, making recommendations for optimizations based on current and historical metrics
• Manage multi-brand agencies and suppliers of record, and negotiate contract terms and conditions for major services. Consult with brand CMOs to ensure agency and supplier relationships have highest return for price paid. Evaluate company’s agency strategy to identify areas of efficiency.

Qualifications And Background Include

• 15+ years’ experience and proven success formulating and leading marketing strategies which resulted in incremental revenue and profit (preferably in a multi brand, environment)
• Experience within a franchise organization or multi-stakeholder environment preferred
• Strategic B2B and B2C marketing experience
• Must have 10 years marketing/advertising experience with three years of experience in campaign modeling (preferably in a multi brand environment)
• Bachelor’s Degree in Marketing or related field (minimum); MBA preferred
• Proven leadership experience leading creative efforts, including planning, prioritizing and implementing marketing strategy
• Experience with technology product marketing
• Demonstrated leadership in talent management and leading effective teams
• Experience working in highly matrixed environment
• Advanced understanding/knowledge of forecasting, general business, marketing, financial practices and principles, and project management skills
• Demonstrated track record of success and performance launching new products and executing creative, integrated marketing programs
• Experience creating and launching national marketing campaigns for mainstream and luxury brands
• Strong digital marketing skills and online strategy development
• Expertise in evaluating, selecting, managing and optimizing brand, creative, advertising and PR agencies and firms
• Expert verbal and written communication skills
• Stellar consultation, influencing and collaboration skills
• An open-minded, creative and innovative approach
• The ability to set up, comprehend and communicate detailed marketing analytics
• A high degree of curiosity

To learn more about Realogy and the accomplishments of our brands, log on to www.realogy.com.

Realogy Holdings Corp. is an equal opportunity employer and is committed to diversity in its hiring and business practices. All qualified candidates are encouraged to apply. EOE AA M/F/Vet/Disability

Seniority Level

Executive

Industry

• Information Technology and Services
• Financial Services
 
• Real Estate

Employment Type

Full-time

Job Functions

• General Business
 
• Management