Heat your pan or flat top griddle. Spray with cooking oil.
In first bowl whisk together your egg, add in your milk, melted butter and pumpkin puree. Mix well.
In second bowl whisk your flour, baking powder, sugar, wheat germ, cinnamon, salt, and chocolate chips together. Pour dry ingredients on wet mixture and stir until smooth and no lumps remain.
Using ¼ cup measure scoop up some batter and pour onto hot griddle. Cook for about 1 minute or until underside is nicely browned and bubbles break on top. Flip pancake and cook for an additional minute until golden brown.