Originator Senior

PNC Financial Services Group, Inc.; Miami (FL); On-site; USD 112,000 - 250,000; Full time

Job summary

PNC Financial Services Group, Inc. is seeking an Sr. Originator in the Multi-Family Capital group, based in Miami.

The role focuses on originating multifamily investments, structuring and negotiating interim and permanent loans, including affordable housing with potential LIHTC qualification. You will build and manage relationships with developers and owners, and monitor market dynamics. The position requires knowledge of agency and federal requirements, strong credit assessment, and the ability

Qualifications

• University degree required.
• 8+ years of industry experience.
• Certifications/licensures: no required certifications.

Responsibilities

• Originates multifamily investments and loans (interim and permanent).
• Evaluates, structures and negotiates loan terms for conventional and affordable housing.
• Develops and implements marketing strategy; solicits and manages developer/owner relationships.
• Monitors markets/competition and engages with state allocating agencies and other bodies.
• Understands agency and federal requirements/practices for transactions and programs.

Skills

Capital Management

Consumer Lending

Credit Assessment

Economic Policy

Innovation

Investments

Loan Agreements

Results-Oriented

Structuring Competencies

Customer Acquisition

Customer Experience Management

Decision Making and Critical Thinking

Effective Communications

Financial Analysis

Sales Function

Selling

Education

Bachelor's

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. 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 an Originator Sr. within PNC's Multi-Family Capital organization, you will be based in one of several PNC locations. PNC is an in‑office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

Originates multifamily investments, interim and permanent loans, for conventional and affordable rental housing that qualifies for low‑income tax credits and/or permanent loans which may qualify for sale to government‑sponsored entities. Evaluates, structures and negotiates terms for investments, interim and permanent loans, for conventional and affordable rental housing. Identifies the appropriate customer base and develops and implements a marketing strategy and plan. Solicits new and manages existing relationships with developers and owners. Monitors markets and competitors. This may include engagement with critical actors such as state allocating agencies and other agencies. Maintains an understanding of agency and/or federal requirements and structures on transactions, programs, products and structures.

Qualifications

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.

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

• Capital Management
• Consumer Lending
• Credit Assessment
• Economic Policy
• Innovation
• Investments
• Loan Agreements
• Results-Oriented
• Structuring Competencies Business Markets
• Customer Acquisition
• Customer Experience Management.
• Decision Making and Critical Thinking
• Effective Communications
• Financial Analysis
• Sales Function
• Selling.

Work 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, job specific certification(s), and experience (including military service) may be considered.

Education

Bachelors

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Language Assessments

No Required or Preferred Language Assessments

Pay Transparency

Base Salary: $112,000.00 – $249,600.00. Salaries may vary based on geographic location, market data and on individual skills, experience, and education.

Application Window

Generally, this opening is expected to be posted for two business days from 09/01/2026, 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
• 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 [e-mail]. 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.

Company Culture

For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship‑based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. Being a great place to work means we are making a lasting difference for everyone we serve.

Check out the top reasons to join PNC. PNC’s total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page.