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 Credit Risk Review Advisor Senior in Credit Risk Review within PNC's Independent Risk Management organization.

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

The primary objective of Credit Risk Review (CRR) is to conduct timely and independent assessments of PNC’s credit exposures and credit risk. Results from CRR’s assessments are provided to senior management and PNC’s Risk Committee of the Board of Directors. As CRR Advisor Senior you will join a highly skilled team providing independent assessments of PNC’s Commercial credit exposures. You may have responsibility of being a Reviewer in Charge. The Reviewer in Charge is responsible for the successful completion of a review engagement, including managing Reviewers, performing credit portfolio analysis, summarizing the results stemming from the review of credit files sampled as part of a review engagement. Your deep understanding of sound Commercial lending and credit risk practices will enable you to provide valuable insights and recommendations to drive effective credit risk management practices.

Preferred Qualifications:
• The position requires robust credit knowledge and strong experience related to Commercial credit extension and management.
• 10+ years of Credit Risk/Credit Underwriting preferred.
• Strong verbal and written communication, in addition to ability to handle difficult conversations, are critical to effectively communicate with stakeholders.

Job Description

• Analyzes file review activities for assigned business segment. Executes file review assessment on complex credit and credit related transactions, and demonstrates understanding of the inherent level and materiality of risk. Acts as a second level reviewer and reviewer in charge. Serves as an expert resource to the team.
• Correlates industry, economic, regulatory and other trends in the credit cycle. Provides expert insight and includes findings in the credit review assessment.
• Analyzes complex credit facility structures and underwriting processes within the context of credit policies. Validates scorecard risk ratings, testing and maintenance activities. Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to support decisioning. Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends.
• Provides expert analytical insight and assesses the risk organization's sufficiency to identify and manage forward looking risks. Identifies risk concentrations, systemic trends or issues.
• Completes work papers, issue tracking and follows up on exam findings. Participates in continuous monitoring for assigned portfolios. Supervises and mentors undergraduate interns and rotational program associates.
• Independently prepares materials and supporting documentation, and conducts meetings with Line of Business representatives.  Effectively communicates Credit Risk Reviews plans and objectives for reviews.

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