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 Product Advisor III -REBA within PNC's Private Bank organization, you will be based in Cleveland, OH.

The Product Advisor III supports the Private Bank in the evaluation and execution of investment real estate lending as part of a broader client strategy. This is a client-facing role that works closely with Banking Advisors and the Credit team, partnering from initial client conversations through deal closing.

The ideal candidate will possess strong credit skills and a deep understanding of the investment real estate landscape, including underwriting practices and associated risks. Excellent collaboration and communication skills, along with strong attention to detail, are essential for success in this role.

This position will support advisors across the territory, with primary coverage expected to include the Midwest and West regions.

PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.

 

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

• Acts as an experienced advisor to clients and internal partners on investment real estate transactions.
• Evaluates real estate opportunities by assessing property fundamentals, sponsor strength, cash flow durability, market dynamics, and structural risks, and determining alignment with PNC’s credit policy and risk tolerance.
• Leads client discussions related to deal feasibility, structure, and risk considerations, representing PNC’s perspective clearly and consistently.
• Partners closely with Banking Advisors, Underwriting, Product, and Credit Risk teams to shape solutions that meet client objectives while appropriately mitigating credit, concentration, and operational risk.
• Provides early-stage deal screening and feedback, identifying potential issues and structuring considerations before formal credit submission.
• Supports underwriting by contributing real estate-specific insight on valuation, market trends, property performance, and downside scenarios.
• Maintains a strong understanding of real estate markets, asset classes, sponsor behavior, and competitive dynamics to identify emerging opportunities and risks.
• Represents PNC in select client meetings, internal forums, and industry events, as appropriate, to support relationship development and thought leadership.
• Supports pre- and post-approval due diligence and closing processes including ordering appraisals, insurance, environmental, and collecting appropriate documents and financials to ensure smooth deal execution.
• Collaborates on pipeline and portfolio management activities throughout the life of the loan (opportunity identification, application, origination, annual reviews, renewals, modifications, etc.).
• Coaches and develops Banking Advisors to build foundational real estate lending skills.
• Assists in business development of IRE deals, e.g., reviewing current Books of Business and eMoney profiles, etc. in partnership with Business Owner Solutions.

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 certi