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