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. We are looking to hire a Consumer Credit Expert to support the Asset Management Group (AMG) line of business within PNC's Credit Risk Management organization.

This role is 2LOD credit risk oversight of AMG. Primary responsibilities for the role entail oversight of AMG 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 Commercial Underwriting/Credit risk working with transactions
• Experience working with PNC Policy & Procedure
• AMG/Wealth Management experience required

Competencies:
• Analytical thinking -knowledge of techniques and tools that promote effective analysis and ability to determine the root cause and create alternative solutions to resolve the problem.
• Credit Risk-knowledge of processes, tools and techniques used to determine the degree of credit risk in a transaction or customer relationship; ability to assess, rate and manage exposure to credit risk.
• Ability to work independently, make recommendations, and collaborate across all line of AMG business, including Residential mortgage and Commercial loans.
• Understand financial analysis, industry trends, deal structures, PNC's credit risk appetite and applying PNC policy when looking at expanding AMG relationships.
• Portfolio Management-Knowledge of and ability to create, implement and evaluate and enhance risk management policy and procedures, working closely with AMG partners.

Additional Job Responsibilities:
• Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
• Maintains in depth knowledge of consumer and commercial credit policy and ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
• Follows and recognizes economic, regulatory and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners and discussions to determine potential impacts on policy. Ensures work set is completed and that the right conversations are taking place to execute deliverables.

This position is primarily based in a PNC location. Preferred locations are listed on the posting. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager’s discretion.

Job Description

• Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
• Maintains in depth knowledge of consumer credit policy and ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
• Monitors credit by leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics from APM, oversees follow-up, and analyzes output to inform decision - making.
• Manages and updates credit transaction models utilized within defined asset class and activity and ensures adherence to model management processes (i.e., model validation, testing, maintenance) by ensuring the appropriate resources are in place to adhere to MRMG guidance.
• Follows and recognizes economic, regulatory, and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy. Reviews validation outputs on data produced and delivered; ensures that work set is completed and that the right conversations are taking place to execute d