PCB Portfolio Manager

Raymond James; Saint Petersburg (FL); Hybrid; USD 40,000 - 60,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Benefits

Retirement Savings

Paid Time Off

Job summary

Raymond James in Saint Petersburg, FL, seeks a hybrid mortgage loan support specialist to advise clients on a range of financial products and assist through all loan lifecycle stages. The role involves complex client conversations, collaboration with Operations, Sales, Underwriting, and mortgage officers, with direct contact to customers and NMLS registration required.

This position offers base compensation with benefits and opportunities to deepen mortgage product knowledge.

Qualifications

• NMLS registration is required to perform lending activities.
• Ability to handle moderately complex client conversations and escalate as needed.
• Familiarity with loan lifecycle processes and regulatory requirements.

Responsibilities

• Provide operational support by performing a range of routine activities using existing systems and protocols.
• Tracking loan performance, covenant compliance, and financial health.
• Acting as the main point of contact for routine inquiries, modifications, and loan restructuring.
• Mitigating credit risk, analyzing portfolio metrics, and managing collections/workouts for delinquent accounts.
• Ensure portfolio adherence to internal lending policies and external requirements.
• Prepare moderately complex documents for technology devices using standard office software.
• Gather and summarize data for reports.

Skills

Office technology

Clear communication

Planning & organizing

Data analysis

Regulatory compliance

Data management

Microsoft Office

Documentation & reporting

Team collaboration

Client service

Job description

Job Description Summary

Advise clients about a range of financial products (including savings products, insurance products, consumer credits, and mortgages) that are suitable for the clients' needs or circumstances. Have direct contact with customers. This deals with both Raymond James Bank Loan & Deposit Products.

Job Description Summary

Advise clients about a range of financial products (including savings products, insurance products, consumer credits, and mortgages) that are suitable for the clients' needs or circumstances. Have direct contact with customers. This deals with both Raymond James Bank Loan & Deposit Products. Client support role focused on new business or consumer credit loans and on supporting clients through all stages of the transition loan lifecycle. The position handles more complex client conversations, resolves escalated issues, collaborates across Operations, Sales, Underwriting, mortgage loan officers, loan servicing officers, and underwriters, and requires NMLS registration.

Job Description

Responsibilities

• Provide operational support by performing a range of routine activities using existing systems and protocols.
• Tracking loan performance, covenant compliance, and financial health.
• Acting as the main point of contact for routine inquiries, modifications, and loan restructuring.
• Mitigating credit risk, analyzing portfolio metrics, and managing the collections process or work-outs for delinquent accounts.
• Ensuring that the portfolio adheres to internal lending policies and external regulatory/investor requirements.
• Prepare moderately complex documents using a variety of applications for technology devices, such as standard office software. Also responsible for gathering and summarizing data for reports.
• Create a local document management system for an office or department. Build effective working relationships within the internal client organization and contribute to the management of the partnering relationship, delivering high-quality professional services within established routines or as part of an agreed project.
• Find the most effective ways to respond to routine functional inquiries. Involves following procedures and precedents.
• Use data management systems to access specific information as and when required.
• Develop knowledge and understanding of the organization's policies and procedures and of relevant regulatory codes and codes of conduct to ensure own work adheres to those standards. Obtain authorization from a supervisor or manager for any exceptions from mandatory procedure.
• Develop own capabilities by participating in assessment and development planning activities as well as formal and informal training and coaching. Develop and maintain an understanding of relevant technology, external regulation, and industry best practices through ongoing education, attending conferences, and reading specialist media.

Skills

• Supports business processes by effectively utilizing standard office technology, business systems, and software applications while providing technical guidance to others as needed.
• Communicates clearly and effectively to express ideas, request actions, formulate plans, and provide technical guidance when appropriate.
• Plans, organizes, prioritizes, and coordinates work activities to efficiently achieve business objectives.
• Develops and implements action plans based on business requirements, recommendations, and organizational priorities.
• Analyzes data, identifies trends, and performs quantitative analysis to support reporting and informed decision-making.
• Selects and effectively utilizes appropriate business systems, tools, and technologies to improve productivity and operational efficiency.
• Interprets, applies, and monitors policies and procedures to ensure alignment with organizational strategies, objectives, and regulatory requirements.
• Demonstrates proficiency with business productivity applications, including word processing, spreadsheets, presentations, email, document management, and collaboration tools.
• Retrieves, manages, and maintains data using databases, queries, and business information systems to support operational and reporting needs.
• Utilizes enterprise systems, desktop technologies, and network-based applications to securely access, manage, and share information.
• Knowledge of the Automated Customer Account Transfer protocol for the securities industry and the protocols for brokerage accounts pledged to a loan.
• NMLS registration required***

Education

Work Experience

General Experience - 7 to 12 months

Certifications

National Mortgage License (Any State) - Various State Agencies

Travel

Less than 25%

Workstyle

Hybrid

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We Expect Our Associates At All Levels To

• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.