Loan Officers

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

Assists Mortgage Regional Manager in the leadership and management of Mortgage Loan Originators to achieve production goals, operational excellence, growth and profitability of the region. Maintains a personal pipeline of retail mortgage loans. Recruits, interviews and trains elite talent, as well as be pro-active in retaining current employees and managing performance. Actively participates in local and state mortgage banking, realtor, and builder trade associations, and maintains a thorough understanding of mortgage industry knowledge and current issues. Communicates business goals, objectives and company performance results to staff. Promotes an effective sales environment through sales training, individual and team coaching, and creation of marketing materials. Acts as liaison between U.S. Bank Home Mortgage and other departments/areas of the company. Establishes collaborative partnerships with other business lines within U.S. Bank.

This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.

Basic Qualifications

- Typically a Bachelor's degree, or equivalent work experience

- Typically two or more years of relevant experience

Preferred Skills/Experience

- Thorough knowledge of sales and sales strategies

- Well-developed leadership skills

- Effective verbal and written communication skills

- Well-developed customer service/relations skills

- Demonstrated new business development and relationship management skills

- Thorough knowledge of mortgage products/services, operations, and current market trends

- Minimum two years of supervisory experience preferred

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

This role receives an annual base salary between $49,000 and $65,000 depending on the required state minimum, plus eligibility for incentives based on employee’s production under the applicable incentive plan.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

**Posting may be closed earlier due to high volume of applicants.**

**Description**

**BANC OF CALIFORNIA AND YOUR CAREER**

Banc of California, Inc. (NYSE: BANC) is a bank holding company headquartered in Los Angeles with one wholly-owned banking subsidiary, Banc of California (the “bank”). Banc of California is one of the nation’s premier relationship-based business banks focused on providing banking and treasury management services to small, middle-market, and venture-backed businesses. Banc of California offers a broad range of loan and deposit products and services, with full-service branches throughout California and Denver, Colorado, as well as full-stack payment processing solutions through its subsidiary, Deepstack Technologies. The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more.

At Banc of California, our success is driven by our people, and we take pride in fostering an environment where everyone can reach their full potential. We embrace a culture of empowerment, progressive thinking, and entrepreneurial spirit, ensuring our team members have an opportunity to make an impact and play an important role in the future of Banc of California. Our core values – Entrepreneurialism, Operational Excellence, and Superior Analytics – empower us in creating a dynamic and inclusive workplace. We are committed to supporting your growth and well-being with comprehensive benefits, career development programs, a variety of employee resource groups, and more. TOGETHER WE WIN®

**THE OPPORTUNITY**

The HOA Lending Officer is responsible for originating and managing loans to HOAs including capital improvement loans, maintenance funding, and other community-based-financing solutions. The officer will work closely with the Regional Account Executives to provide customized financial products that align with regulatory requirements and client needs. Initiate and maintain customer contact, maintain awareness of loan portfolio and its sufficiency and cash flow reporting to Management. Build new business to expand own portfolio.

Performs all duties in accordance with the Company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the Company operates.

**HOW YOU’LL MAKE A DIFFERENCE**

+ Develop and maintain relationships with SmartStreet Regional Account Executives HOA boards, community management companies and related stakeholders. Originate HOA loans, including term loans, lines of credit, and bridge loans.

+ Originate HOA loans, including term loans, lines of credit, and bridge loans.

+ Structure loan packages and present them for internal credit committee approval

+ Conduct site visits, attend board meetings and represent the Bank at HOA industry events

+ Provide guidance and training to internal staff on HOA lending products and market trends

+ Involved with interviewing and hiring decisions. Prepare and deliver employee performance evaluations, goal planning, and counseling. Manage, support and train staff.

+ Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.

+ Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.

+ Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values.

+ Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

+ Performs other duties and projects as assigned.

**WHAT YOU’LL BRING**

+ High School Diploma or equivalent required

+ Bachelor’s degree in finance, Business, Real Estate preferred

+ 8+ years of commercial or real estate lending experience, preferably with HOA or community association financing

+ Minimum 3 years supervising a team

+ Strong knowledge of HOA governance, financial operations and legal structures

+ Excellent interpersonal, presentation, and negotiation skills

+ Proficiency Microsoft Office Suite

**HOW WE’LL SUPPORT YOU**

+ **Financial Security:** You will be eligible to participate in the company’s 401k plan which includes a company match and immediate vesting.

+ **Health & Well-Being:** We offer comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long-term disability, pre-tax Health Savings Account with employer contributions, and pre-tax Flexible Spending Account (FSA).

+ **Building & Supporting Your Family:** Banc of California partners with providers that offeradoption, surrogacy, and fertility assistance as well as paid parental leave and family support solutions including care options for your family.

+ **Paid Time Away:** Eligible team members receive paid vacation days, holidays, and volunteer time off.

+ **Career Growth Opportunities:** To support career growth of our team members, we offer tuition reimbursement, an annual mentorship program, leadership development resources, access to LinkedIn Learning, and more.

**SALARY RANGE**

The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, abilities of the applicant in alignment with market data and other factors.

Banc of California is an equal opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration for employment without regard to age (40 and over), ancestry, color, religious creed (including religious dress and grooming practices), denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), genetic information, military and veteran status, national origin (including language use restrictions), race, sex (which includes pregnancy, childbirth, breastfeeding and medical conditions related to pregnancy, childbirth or breastfeeding), gender, gender identity, gender expression, and sexual orientation. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

Equal Opportunity Employer

PacWest Bancorp and its affiliates are fully committed to the principles of equal opportunity and diversity. We take pride in building a workplace culture where all employees feel supported and respected, and have equal access to career and development opportunities without regard to race, religion/creed, color, national origin, age, marital status, ancestry, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), gender identity/expression, sexual orientation, veteran status, physical or mental disability, medical condition, military status, genetic information, or any other characteristic protected by federal, state or local laws.

*RELATIONSHIP MANAGER SENIOR CB*

WHAT IS THE OPPORTUNITY?

Develops and manages relationships with commercial clients in the assigned business segment and/or geographic areas. Presents a variety of product solutions to client needs. Provides responsive, quality service. Approves transactions within delegated authority. Manages overall relationship profitability and portfolio risk and is responsible for profitable growth of the portfolio assigned. This may be accomplished through active calling efforts and referrals from existing customers, providing the CNB exemplary level of service, identifying and promoting solutions to customer needs, and maintaining an active calling program.

What you will do

* Identifies develops and builds profitable relationships with prospects and customers consistent with the objectives of the bank.

* Actively works with customers and develops prospects consistent with the credit culture of the bank. Is pro-actively identifying and working with customers to ensure the credit quality standards of the bank.

* Develops relationships and support other CNB departments and colleagues to provided customers and prospects the solutions recommended. Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers.

* Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. Identifies business opportunities and solicits referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry. Develops a strong understanding of company, industry, business and needs to assist in customer calling efforts. Sets objectives for each relationship in terms of revenue contribution, etc.

* Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients' credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.

* Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgement in approving transactions. Recommends approval when transaction size exceeds authority limits. Ensures the quality of all business introduced to the Bank.

* Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.

* Interfaces with other Bank departments as necessary. Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction. Resolves all client needs and any internal issues.

* Monitors and analyzes relationship results and account activities. Determines client profitability. Makes a recommendation regarding accounts to be further developed or eliminated. Prepares reports for management.

* Monitors portfolio for quality, risk and adherence to policy. Works with the appropriate staff departments to resolve issues.

* Maintains awareness of competitive products, practices, rates and changes in market conditions.

* Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.

* May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.

* Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential

*Must-Have**

* Bachelor's Degree or equivalent

* Minimum 5 years of lending experience required.

* Minimum 5 years of credit experience required

*Skills and Knowledge*

* Good understanding of all products and services applicable to target client segment.

* Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures.

* Demonstrated sales and marketing abilities.

* Good credit analysis and accounting skills.

* Capable of working well independently and in teams.

* Has the ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility.

* Strong interpersonal, verbal, and written communication skills.

* Strong demonstrated sales and marketing abilities including cross selling skills.

* Superior client relationship skills.

* Good understanding of commercial credit policies and procedures.

* General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction.

* Sound credit analysis and accounting skills.

* Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility.

* Must be capable of working well independently and in teams.

* Strong interpersonal, verbal, and written communication skills.

*Compensation*

Starting base salary: $122,535 - $208,715 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

**To be considered for this position you must meet at least these basic qualifications*

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/10/cbedd856-c2fc-491b-a625-3ab7a0fd9a65.pdf).

ABOUT CITY NATIONAL

City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.

*City National Bank does business in Miami and the state of Florida as CN Bank.

For more information about City National, visit (https://www.cnb.com/).

*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*

City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/1/159726e0-aeb1-4058-9052-d7a2d69626b8.pdf)

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via (mailto:TalentAcquisition@cnb.com) or leave a message at (213) 673-9139. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.

**Why Wells Fargo**

**Are you looking for more? Find it here.** At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place.

Living the Well Life (https://www.wellsfargojobs.com/en/well-life/) means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. Join us!

**About this role:**

Wells Fargo is seeking a Senior Analytics Consultant - Consumer Lending Global Operations Data Analytic and Reporting (DAR).

**In this role, you will:**

+ Consult, review and research moderately complex business, operational, and technical challenges that require an in-depth evaluation of variable data factors

+ Review and analyze moderately complex, large structured and unstructured data sets from various sources, requiring an in-depth hypothesis generation and advanced analysis of variable factors to convert data into meaningful insights and recommendations

+ Perform moderately complex data analysis to support and drive strategic initiatives and business needs

+ Develop impactful dashboards and visualizations for senior leadership, leveraging the latest data and analytics platforms to deliver next-day insights on SLAs, KPIs, and productivity metrics

+ Develop a deep understanding of technical systems and business processes to extract data driven insights while identifying opportunities for engineering enhancements

+ Lead or participate on large cross group projects

+ Mentor less experienced staff

+ Collaborate and consult with peers, colleagues, external contractors, and mid-level managers to resolve issues and achieve goals

+ Leverage a solid understanding of compliance and risk management requirements for supported area

**Required Qualifications:**

+ 4+ years of Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

+ 1+ years of Python experience

+ 1+ years of hands-on programming using SQL or SAS

**Desired Qualifications:**

+ **Teradata & ML Experience** : 3+ years of hands-on experience with Teradata/Teradata Vantage, including writing SQL queries and utilizing built-in Machine Learning (ML) functions.

+ **Python & SQL Proficiency** : Strong programming skills in Python and SQL, with a particular emphasis on working within Teradata environments.

+ **ML & NLP Expertise** : Solid foundation in Machine Learning and Natural Language Processing, with practical experience applying these techniques to real-world problems.

+ **LLM & Prompt Engineering** : Familiarity with Large Language Models and prompt engineering techniques is preferred, indicating an understanding of modern AI tools and their applications.

+ **Consultative Problem Solving** : Ability to understand business needs, develop analytical solutions, and effectively communicate insights to both technical and non-technical stakeholders.

+ **Data Analysis & Insight Generation** : Strong analytical skills with proficiency in data manipulation using SQL, and the ability to convert complex datasets into actionable insights for strategic decision-making.

+ **Business Acumen & Multitasking** : Expected to quickly grasp business concepts, manage multiple priorities, and adapt to shifting project demands.

+ **Operational Metrics Development** : Proven ability to design and implement operational metrics (e.g., capacity, productivity, risk) that support strategic business initiatives.

+ **Collaboration & Initiative** : Demonstrated ability to work well in teams and independently, take initiative, and embrace challenging assignments with a proactive mindset.

**Posting End Date:**

30 Jun 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Equal Opportunity**

Wells Fargo 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, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-469670

**Why Wells Fargo**

**Are you looking for more? Find it here.** At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place.

Living the Well Life (https://www.wellsfargojobs.com/en/well-life/) means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. Join us!

**About this role:**

Wells Fargo is seeking a Lead Analytics Consultant - Consumer Lending Global Operations Data Analytic and Reporting (DAR).

**In this role, you will:**

+ Advise line of business and companywide functions on business strategies based on research of performance metrics, trends in population distributions, and other complex data analysis to maximize profits and asset growth, and minimize operating losses within risk and other operating standards

+ Lead or participate in moderately complex initiatives and deliverables by utilizing data-driven, analytical and statistical techniques to make actionable insights, trends, recommendations, or contribute to large-scale planning that has a broader impact

+ Interpret and analyze data, using advanced analytics methods and programming, to recommend ways to solve problems and influence business decisions and strategies

+ Provide influence and leadership in the identification of new tools and methods to analyze data

+ Ensure adherence to compliance and legal regulations and policies on all projects managed

+ Provide updates on project logs, monthly budget forecasts, monthly newsletters, and operations reviews

+ Assist managers in building quarterly and annual plans and forecast future market research needs for business partners supported

+ Strategically collaborate and consult with peers, colleagues, and mid-level to senior managers to resolve issues and achieve goals

+ Lead projects, teams, or serve as a peer mentor to staff, interns and external contractors

**Required Qualifications:**

+ 5+ years of Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

+ 1+ year of Python experience

+ 2+ years of hands-on programming using SQL

+ 2+ years of SAS experience

**Desired Qualifications:**

+ **Quantitative & Statistical Expertise** : Strong knowledge of quantitative analysis, statistical methods, data mining, and data visualization techniques.

+ **Data Visualization Tools** : Proficient in using tools like Tableau or Power BI to create dashboards and visual reports.

+ **Analytical Problem-Solving** : Skilled at breaking down complex issues, identifying root causes, and proposing actionable solutions.

+ **LLM & Prompt Engineering: Experience** with Large Language Models and prompt engineering is preferred.

+ **Banking Knowledge** : Strong understanding of banking products, services, and industry practices.

+ ​ **Effective Communication** : Able to clearly articulate complex ideas, write concise reports, and lead meetings and workshops.

+ **Team Collaboration** : Demonstrated ability to work well in teams, build strong relationships, and foster consensus.

+ **Stakeholder Engagement** : Communicate effectively with stakeholders to understand needs and share insights.

+ **Presentation Skills** : Present analysis, recommendations, and updates in clear, compelling formats tailored to various audiences.

+ **Financial Services Experience** : Over 5 years of experience in the financial services industry.

+ **ML & NLP Expertise** : Solid background in Machine Learning and Natural Language Processing techniques.

+ **Consultative Analytics** : Ability to translate business needs into analytical solutions and communicate insights to both technical and non-technical audiences.

**Posting End Date:**

1 Jul 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Equal Opportunity**

Wells Fargo 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, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-468302

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

Responsible for the evaluation and selling of mortgage solutions throughout the United States. Advises clients on the home buying or refinance process while assisting through the loan process from application to closing. Engages with current and potential customers to educate and advise on how to best manage their mortgage finances. Required to achieve or exceed specific loan origination goals. Advises customers on U.S. Bank’s full product suite, providing the opportunity to make referrals to other areas within U.S. Bank.

This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.

Basic Qualifications

- High school diploma or equivalent

Preferred Skills/Experience

- Strong sales aptitude

- Self-motivated with ability to achieve or exceed specific production goals

- Ability to provide exceptional customer service

- Effective written and verbal communication skills

- Previous sales or customer service experience strongly preferred

-Consumer Direct Lending experience preferred

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $21.15

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

**Posting may be closed earlier due to high volume of applicants.**

**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 Branch Manager within PNC's Retail organization, you will be based in Tucson, AZ. Bilingual Spanish preferred.

**Job Description**

+ Responsible for leading all aspects of branch performance. Drives revenue and customer loyalty through consultative interactions with clients, and solutions that help them achieve financial well being. Creates a differentiated customer experience, making banking easy in an omni channel environment. Collaborates with a broad range of eco-system partners. Accountable for risk management and compliance . Builds a high performing team through the attraction, on-boarding, coaching and development of branch team members.

+ Utilizes a branded sales process to achieve sales targets and customer loyalty. Grows branch revenue through the acquisition and share-of-wallet growth of consumer and business households and through collaboration with eco-system partners. Drives business banking results primarily through business development and community involvement activities. Coaches to consultative selling to drive results and enable customer financial well-being. Has foundational understanding of balance sheet and income statement.

+ Manages and coaches to the delivery of a differentiated client experience. Coaches team to confidently engage with customers in technology enabled interactions, providing solutions and advice oriented consultation that improves client financial well-being. Leads effective problem resolution, making banking easy for customers. Connects all of PNC, delivering a seamless customer experience in an omni channel environment.

+ Drives the employee experience. Responsible for acquiring and retaining talent through effective onboarding, coaching and development. Makes talent development a priority for all branch team members . Ensures employees achieve performance and activity expectations through effective and ongoing performance management. Models PNC values by cultivating and supporting an inclusive workplace.

+ Manages operational, human capital, reputational and business risk. Exercises leadership, authority and sound decision making to mitigate sales practice risk. Ensures compliance with regulatory guidelines and adherence to established policies and procedures.

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.

PNC also has fundamental expectations of our people managers. As a manager of talent in PNC, you will be expected to:

+ **Include Intentionally** - Cultivates diverse teams and inclusive workplaces to expand thinking.

+ **Live the Values** - Role models our values with transparency and courage.

+ **Enable Change** - Takes action to drive change and innovation that will transform our business.

+ **Achieve Results** - Takes personal ownership to deliver results. Empowers and trusts others in decision making.

+ **Develop the Best** - Raises the bar with every talent decision and guides the achievement of all employees and customers.

+ To learn more about this and other opportunities on our team.Watch this video. (https://content.pncmc.com/live/pnc/aboutus/recruiting/videos/Retail\_Banking.mp4)

**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**

Accountability, Banking, Client Counseling, Customer Experience (CX), Customer Loyalty, Decision Making, People Management, Proactive Approach, Results-Oriented

**Competencies**

Branch Banking Services, Digital Awareness, Effective Communications, Managing Multiple Priorities, Sales Management

**Work Experience**

Roles at this level typically do not require a university / college degree, but do require related experience or product knowledge to accomplish primary duties. Typically requires 3+ years of related 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.

If you are customer focused, enjoy building relationships and providing financial advice to your clients, then a role as a Business Relationship Manager is for you.

As a Business Relationship Manager Senior (BRM) Deepening banker in Business Banking, you'll be managing a portfolio of large profitable business clients with annual revenue greater than ~$5MM. You'll focus on deposit acquisition, product deepening, client retention and growth, and gaining referrals to increase primary bank share. As a Senior Deepening banker, you will provide a high-touch experience by building relationships and providing financial advice with a focus on client experience and risk management while deepening existing relationships and leveraging referrals to acquire new relationships.

**Job Responsibilities**

+ Manage, retain and deepen a portfolio of approximately 100 business clients in stable/mature stage with annual revenue greater than ~$5 million; provide business deposit and cash management solutions and manage business credit opportunities up to approximately $15 million; provide support to branch-based business bankers on sizeable business credit deals as needed

+ Deliver an outstanding experience to Chase business clients by providing comprehensive and customized business banking solutions tailored to the financial needs and circumstances of their businesses

+ Use knowledge of business, finance, banking, credit, and risk management to identify, recommend, and promote solutions that best serve the client and ensure the profitability of the portfolio. Leverage knowledge of diverse types of businesses, industries, markets, financial and economic concepts, as well as creative marketing techniques, utilizing Chase resources and materials to develop business network and prospects

+ Regularly conduct in-person/virtual calls with existing clients, referrals and centers of influence at their places of business, looking for ways to cultivate long-term, primary banking relationships

+ Understand the personal financial goals and needs of the owner(s). Utilize knowledge of personal banking products and partner with Branch, Wealth Management and Private Bank to identify and deliver appropriate personal financial solutions

+ Utilize knowledge of treasury products and partner with product specialists to onboard clients seamlessly and ensure end-to-end delivery of new accounts and full suite of products and services; follow up with clients after account opening to determine appropriate additional solutions and establish digital capabilities

+ Protect the firm by following sound risk management protocols and control policies and adhering to regulatory requirements

**Required qualifications, capabilities, and skills**

+ Minimum of 5 years' experience in a Business Banking Relationship Management role or related business lending experience

+ Strong knowledge of deposit and cash management products and services, and knowledge of business credit underwriting with commercial credit training. Uses seasoned judgment to offer comprehensive and customized solutions that best meet client needs; monitors and researches market/industry trends and business outcomes to anticipate client needs; presents proactive solutions and innovative alternatives when appropriate

+ Demonstrated ability to anticipate clients' issues, own problems on clients' behalf, and follow through with commitments

+ Strong relationship-building and excellent communication skills with individuals at all levels, internally and externally. Ability to influence others to achieve desired outcomes, and leverage technology to interact with clients effectively and efficiently

+ Excellent organizational skills and the ability to manage, prioritize, work under pressure and meet tight deadlines

+ Self-directed, proactive, and creative; uses sound judgment and navigates ambiguity to get things done

+ Balance needs of clients with associated risks and interests of the firm.

**Preferred qualifications, capabilities, and skills**

+ Bachelor's degree in Finance or related field, or equivalent work experience

+ Minimum of 3 years' managing clients >$10+MM revenue

+ Proficient in Microsoft Office tools including Outlook, Excel, Word, and PowerPoint

+ In-depth knowledge of diverse types of businesses, industries, markets, financial and economic concepts

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

**About this role:**

Wells Fargo is seeking a Commercial Banking Portfolio Manager. This position is responsible for credit portfolio management to meet the long-term financial objectives and risk tolerance for commercial banking clients. This position serves as a key member of a client’s deal team. Clients are general in a broad array of commercial and industrial industries, along with investor real estate owners.

**In this role, you will:**

+ Participate in performing financial research, underwriting, and structuring of highly complex private banking as well as consumer and mortgage relationships within Commercial Banking Portfolio Management functional area

+ Review and research business financial statements and tax returns that require an in-depth evaluation of multiple factors

+ Resolve moderately complex issues and lead Commercial Banking Portfolio Management team, to meet project deliverables, while leveraging solid understanding of the function, policies, procedures, and compliance requirements

+ Collaborate and consult with Commercial Banking Portfolio Management peers, colleagues, and mid-level managers to resolve issues and achieve goals

+ Lead projects and teams or serve as a mentor for less experienced individuals

**Required Qualifications:**

+ 4+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Experience with both Commercial & Industrial (C&I) and Investor Real Estate (IRE) loan underwriting

+ Complex credit underwriting experience including advanced commercial Middle Market / Mid-Corp credit or specialty group relationship portfolio credit

+ Strong analytical skills and the ability to spread, analyze perform in depth commercial financial statement analysis\

+ Completion of a formal credit training program

+ Demonstrated experience showing attention to detail, self-motivation, and the ability to independently problem solve

+ Ability to understand, review and negotiate loan documentation

+ Experience / ability working in a high paced environment, with strong organizational, multi-tasking, and prioritizing skills

+ Ability to work in a highly collaborative work environment

+ Excellent verbal, written, and interpersonal skills, with experience effectively working and communicating with internal partners both in person and remotely

+ Strong Microsoft Office skills, including using Excel for financial analysis and projection modeling

+ BS/BA degree or higher (preferably major in Finance/Accounting)

+ Experience in nCino/Salesforce, CreditView & BLAST loan underwriting

**Job expectations** **:**

+ This position is not eligible for Visa sponsorship

+ This position offers a hybrid work schedule

+ Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process

+ Ability to travel up to 5% of the time

\#commercialbanking

Job Location:

+ 1000 Lakes Dr Ste 100, West Covina, CA

+ 2700 S Price Rd., Chandler, AZ

+ 333 S Grand Ave., Los Angeles, CA

**Pay Range**

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$96,600.00 - $188,900.00

**Benefits**

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

**Posting End Date:**

2 Jul 2025

***** **_Job posting may come down early due to volume of applicants._**

**We Value Equal Opportunity**

Wells Fargo 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, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-469692

A position at White Cap isn’t your ordinary job. You’ll work in an exciting and diverse environment, meet interesting people, and have a variety of career opportunities.

The White Cap family is committed to Building Trust on Every Job. We do this by being deeply knowledgeable, fully capable, and always dependable, and our associates are the driving force behind this commitment.

White Cap is hiring immediately for a **Branch Manager** !

Do you want a part in helping to _Build America?_ As the leading North American distributor for professional contractors, the White Cap family of brands supplies of our nation’s largest construction projects, including stadiums, roads, bridges, highways, residential housing and more. We are hiring immediately for a **Branch Manager!**

_Why a_ **_career_** _with White Cap?_

+ **Comprehensive wellness and financial benefits:** White Cap offers excellent benefits, including Medical, Dental, Vision, 401(k) with company match, tuition reimbursement, and more!

+ **Relax and recharge:** We offer a generous time off package, including paid maternity, parental leave, sick time, and vacation time.

+ **Stability:** Since 2020, White Cap has doubled in size and continues to grow.

+ **Unlimited career potential:** White Cap is a stable and growing company offering unlimited career potential.

+ **Love where you work:** White Cap has been certified as a _Great Place to Work_ .

+ **Inclusive culture:** Work in a place that values and celebrates who you are.

_A_ **_Branch Manager_** _at White Cap…_

+ Accountable for profit and loss and inventory/accounts receivable for assigned location(s). Achieves earnings before interest and tax (EBIT), return on investment capital (ROIC), and return on sales (ROS) goals.

+ Safeguards company assets and associates. Provides operational oversight and excellent in inventory management procedures.

+ Ensures appropriate staffing levels to meet service, financial, and operational support demands. Effectively utilizes training programs to develop sales and operations expertise.

+ Initiates and builds customer relationships with existing and new customers.

+ Acts as liaison to functional leadership to ensure customer satisfaction and problem resolution.

+ Monitors local market trends. Develops and executes strategies to grow local market share and aggressively pursues business opportunities.

+ Works closely with vendors to maximize sales and increase profitability.

+ Ensures efficient operations through adherence to policies and procedures and process excellence. Maintains compliance with applicable government regulations. Ensures environmental health and safety and regulatory responsibilities are followed.

+ Performs other duties as assigned.

+ Generally has 7+ years of experience in a related field.

+ This position requires operation of a company vehicle, or a personal vehicle and such operation is done consistently more than 20% of the average work week. If selected for this position, the company will run a Motor Vehicle Record (MVR) report. A requirement of this position is an acceptable MVR report.

**Preferred Qualifications**

+ Experience with sales order computer software, Oracle preferred.

+ Wholesale distribution experience.

+ Spanish language proficiency.

If you’re looking to play a role in building America, consider one of our open opportunities. We can’t wait to meet you.

**Functional Area** Field Operations

**Work Type** On-Site

**Recruiter** Parnell, Korishawna

**Req ID** WCJR-026188

White Cap is an Equal Opportunity Minority/Female/Individuals with Disabilities/Protected Veteran and Affirmative Action Employer. White Cap considers for employment and hires qualified candidates without regard to age, race, religion, color, sex, sexual orientation, gender, gender identity, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law.