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 an LOB Consumer Credit Risk Advisor within PNC's Balance Sheet Analytics & Modeling Decisioning Quality Assurance organization, you will be based in Pittsburgh or Philadelphia, PA, Cleveland or Brecksville, OH, Birmingham, AL, Charlotte, NC, Wilmington, DE, Tysons, VA, New York City, Chicago, IL, Dallas or Houston, TX. This position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager's discretion.


Preferred skills and experience:

Consulting
Tableau
Credit
Experienced in working with large data sets


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

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

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, 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 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 deliverables.

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

Credit Analysis and Verification, Credit Risk, Financial Statement Analysis, Portfolio Management - 1, Problem Solving, Quantitative Techniques, Regulatory Environment - Financial Services, Risk Economics and Finance

Work Experience