Discover
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Hybrid

Personal Banker, Discover Home Loans (Remote Option From Arizona & Utah)

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Discover. A brighter future.

With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine.

Come build your future, while being the reason millions of people find a brighter financial future with Discover.

Job Description 

  • Discover Home Loans is the #1 lender of closed-end second mortgages, according to 2019 HMDA data on total number of funded loans which is available at FFIEC Home Mortgage Disclosure Act website.
  • Discover Home Loans is the top lender in the U.S. for closed-end second mortgages, based on 2019 HMDA data for total number of funded loans, available at FFIEC Home Mortgage Disclosure Act website.
  • Discover Home Loans helped more homeowners get a closed-end second mortgage than any other lender in 2019, according to HMDA data on total number of funded loans which is available at FFIEC Home Mortgage Disclosure Act website

Class Start Date: January 31, 2022

Shift Requirements: Discover Home Loans hours of operation:

8am-Midnight (EST) Monday-Friday with weekends.

1-3 weekends per month 9:30am-6pm (EST) and adjusts with Daylight Savings Time

Start times: of 10:00am (MST), 10:30am (MST), 11:30am (MST), and 1:30pm (MST) M-F with weekends.

Full Time

Our comprehensive benefits package starts day one and features insurance, financial planning support and excellent perks designed to help you reach your goals and live a rich, healthy life. These include:

  • Paid time off (at minimum, 20 personal days + 7 holidays per year)

  • Medical/Dental/Vision/Life Insurance

  • Tuition Reimbursement for eligible US based employees

  • 401K with company match and fixed contribution

  • Employee Stock Purchase Plan

  • Full service cafeteria featuring Starbucks and subsidized Mindful options

  • Access to fitness center

  • Opportunities to volunteer in the community

  • Development groups and training

  • On-site Health Clinics

  • Onsite Employee Assistance Program Counselors

  • Discover Care@Work Family Assistance Program (Discounted childcare at participating centers, free care.com membership, and subsidized Backup Care Services)

  • Perks at Work (access discounts from over 30,000 merchants, earning WOWPoints while you shop)

What You'll Do

  • Handles communication with customers and performs a variety of functions focused on completing applications for applicants. During that communication, proactively sells the loan to the customer along with other benefits.

  • Ensures that all portions of the application are accurate to help identify and then eliminate potential risks for business. Helps drive applications to completion to increase receivables.

How You'll Do It

  • Communicates with customer on loan acquisition calls.

  • Provides customers with consultative sales-based conversations. Sells the features and benefits of the loan.

  • Facilitates components of the credit application process including, but not limited to, identity verification, judgmental review, negotiation of loan terms, applicant agreement of loan offer, and completion of the loan application

Qualifications You’ll Need

The Basics: 

  • 2+ years of experience in Customer Service, Sales, or related field

Bonus Points If You Have:

  • 2+ years of experience in Sales

  • A quiet workspace

  • Internet service with a minimum speed of 5mbps

  • Personal smartphone or a tablet

Individuals in this position are required to comply with all rules and regulations of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Employees hired or transferring into this position will need to meet the qualification requirements, in DISCOVER FINANCIAL SERVICES sole discretion, under Reg. Z, prior to acting as a loan originator in any capacity, with access to consumer credit transactions secured by a dwelling. Qualification requirements include but are not limited to an assessment of overall financial responsibility, character, and general fitness through review of a criminal background check, credit report, and information about any administrative, civil, or criminal findings by any government jurisdiction.

INDDFS

ZRDFS

What are you waiting for? Apply today!

The same way we treat our employees is how we treat all applicants – with respect. Discover Financial Services is an equal opportunity employer (EEO is the law). We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.

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What are Discover Perks + Benefits

Discover Benefits Overview

Start enjoying great benefits Day 1 — We support you with the same dedication we bring to all of our customers. Our comprehensive benefits package features first-class insurance, financial planning support and excellent perks designed to help you reach your goals and live a rich, healthy life.

Check out more of our amazing employee benefits at mydiscoverbenefits.com

Culture
Volunteer in local community
Discover’s business is built on helping people, and we invest in the community (Blessing Backpacks, Boys & Girls Clubs, Big Brothers/Sisters) to demonstrate our commitment to a brighter future.
Partners with nonprofits
Open door policy
OKR operational model
Team based strategic planning
Open office floor plan
Employee resource groups
Hybrid work model
In-person all-hands meetings
In-person revenue kickoff
Summer hours
Employee awards
Flexible work schedule
Remote work program
Diversity
Dedicated diversity and inclusion staff
Mandated unconscious bias training
Diversity manifesto
Mean gender pay gap below 10%
Diversity employee resource groups
Hiring practices that promote diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
You can open a separate Health Care FSA (HCFSA) and contribute up to $2,650 tax-free from your paycheck to reimburse yourself for eligible out-of-pocket expenses.
Disability insurance
Employees receive Short-Term Disability Insurance at no cost.
Dental insurance
Discover offers two dental plan options — Standard and Premier — both are administered by MetLife.
Vision insurance
Discover offers two vision plan options — Standard and Premier through VSP.
Health insurance
Discover offers a variety of medical plans for you and eligible family members, so that you can choose the benefit plan that suits your needs.
Life insurance
As a Discover employee, you receive Basic Life Insurance of one times your HWEE (up to $500,000) at no cost to you.
Pet insurance
Purchase medical coverage at a discounted rate for your beloved family pet. The more pets you insure, the greater the discount.
Wellness programs
Help balance your work and personal life with a wide variety of free and discounted resource and referral services including family and relationship counseling and financial guidance.
Mental health benefits
Transgender health care benefits
Financial & Retirement
401(K)
You may elect to contribute 1% to 30% of your eligible base salary, commissions and bonus on a pre-tax basis, up to IRS limits every year.
401(K) matching
Discover matches up to 6% of the pre-tax contributions you make to the 401(k) Plan.
Employee stock purchase plan
The ESPP provides eligible employees with an opportunity to purchase shares of Discover common stock through payroll deductions at a 5% discount.
Performance bonus
Charitable contribution matching
Child Care & Parental Leave Benefits
Childcare benefits
Generous parental leave
Family medical leave
Adoption Assistance
Discover helps eligible employees and their families with the costs of adoption by reimbursing certain expenses.
Company sponsored family events
Fertility benefits
Vacation & Time Off Benefits
Generous PTO
Discover has a Paid Time Off of 4 to 5 Weeks of paid time per year.
Paid volunteer time
Paid holidays
Paid sick days
Office Perks
Commuter benefits
When you enroll in the Commuter Benefits Program at WageWorks, you’ll save on taxes on mass-transit passes, parking and other eligible expenses.
Company-sponsored outings
Onsite office parking
Recreational clubs
Relocation assistance
Fitness stipend
Onsite gym
Professional Development Benefits
Job training & conferences
Tuition reimbursement
Discover provides tuition reimbursement and a full-ride bachelor's degree program for select online degree programs.
Lunch and learns
Promote from within
Mentorship program
Continuing education stipend
Continuing education available during work hours
Online course subscriptions available
Customized development tracks
Personal development training

Additional Perks + Benefits

The benefit starts from the first day of employment so all eligible U.S.-based employees can start participating as soon as they want regardless of how long they have been with the company.

We leverage intentional investments to strategically develop and retain our talent. Our approach is human-centered and focused on delivering meaningful and measurable experiences to build the capability of our talent and position them to deliver on our strategic priorities. Our experiences are equitable, inclusive, and aligned to our values, Discover Behaviors, and how we work.

As employees continue their journey with us, they have access to build professional and leadership skills. They are supported when transitioning to new levels of leadership. High potential employees are rewarded with development experiences that assure a diverse leadership pipeline of strong talent is created.

We understand how important it is to thank and acknowledge our employees for being a vital part of our company. Awards and recognition programs are one way we show our appreciation for their contributions.

To foster a culture that prioritizes the needs of our employees and promotes flexibility, balance, and good health, we strive to:

• Create an inclusive environment where well-being is visibly prioritized.
• Continually encourage leaders to invest in their employees’ well-being.
• Provide resources, education and training on well-being that is easily accessible.

We offer a range of benefits and resources to employees under our three pillars of employee well-being: Health, Wealth, and Balance.

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