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 Consumer Credit Expert within PNC's Credit Risk Management organization, this position is primarily based in a location within PNC's footprint. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities can be performed remotely at manager's discretion.

Primary responsibilities for the role entail ownership of an existing portfolio including monitoring the portfolio, observing performance, reporting on trends, understanding clients, and expanding client opportunities with the sales and underwriting teams, as well as participating in whiteboards meetings and prescreens.

Preferred Experience:
• 8 years of underwriting/credit risk working with transactions within Middle Market, large corporate, and large commercial transactions.
• Ability to work independently, make recommendations, and collaborate across all line of business.
• Have a solid understanding of debt markets.
• 5 yrs of experience working with large corporate syndicated deals.
• Understand financial analysis, industry trends, deal structures, PNC's credit risk appetite and applying PNC policy when looking at expanding relationships.

Job Description

• Analyzes activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
• Analyzes the extension of credit, including overdrafts, for clients of high complexity within prescribed approval authorities. Has final approval authority on an obligor's risk rating.
• Analyzes credit facility structure and underwriting process within the context of credit policies. Supports scorecard related validation, testing and maintenance activities.
• Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to help determine decision-making.
• Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends. Maintains knowledge of economic, regulatory and other trends affecting borrowers and helps incorporate this information into the assessment of the borrowers.

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.

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

Analytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk Appetite

Competencies

Conflict Management, Credit Analysis and Verification, Credit Risk, Decision Making and Critical Thinking, Financial Statement Analysis, Portfolio Management - 1, Products and Services, Risk Management Policies and Procedures

Work Experience

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, or PhD is desirable. Industry 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)

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 pncbenefits.com > New to PNC.

*For more information, please click on the following links:

Time Away from Work

PNC Full-Time Benefits Summary

PNC Part-Time Benefits Summary

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.

California Residents

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