Banking Advisor III (MLO) - PNC Private Bank

PNC Bank•San Diego, CA

1d•Onsite

About The Position

The Banking Advisor III position within PNC's Private Bank organization is based in San Diego, CA, and operates in an in-office environment. This role focuses on identifying and advising high-net worth clients on appropriate credit and cash management solutions as part of a broader Private Banking team. Responsibilities include meeting with internal and external clients to introduce and sell banking products and services, building relationships with partners and clients, and making day-to-day decisions in executing banking transactions to ensure quality and efficiency. The advisor is expected to be proficient in the origination, financial analysis, negotiation, and documentation of credit and non-credit banking products. They will manage and monitor a book of business to ensure client satisfaction, retention, and expansion of sales revenue. The role also requires demonstrating a strong ability to analyze, evaluate, and mitigate credit risk for complex requests, providing leadership and mentoring to junior team members, and ensuring compliance with current banking policies and regulations. PNC employees are expected to be customer-focused and adept at managing risk according to PNC's Enterprise Risk Management Framework. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Requirements

University / college degree (Bachelor's degree)
5+ years of industry-relevant experience
Appropriate knowledge, skills, and abilities for a role
Proficiency in Client Relationship Management
Proficiency in Credit Analysis and Verification
Proficiency in Decision Making and Critical Thinking
Proficiency in Effective Communications
Proficiency in Managing Multiple Priorities
Proficiency in Problem Solving
Proficiency in Products and Services
Proficiency in Sales Negotiating
Proficiency in Value Selling
Subject to additional background checks as required by Consumer Financial Protection Bureau regulations
No specific certifications/licenses are required for this position

Nice To Haves

Book Of Business
Client Satisfaction
Customer Retentions
Financial Management
Financial Performance
Portfolio Management
Sales Process

Responsibilities

Identifies and provides guidance and advice on appropriate credit and cash management solutions for current and prospective high-net worth clients as part of a broader Private Banking team
Meets with internal and external clients to introduce and sell AMG banking products and services
Proficient at building relationships with internal and external partners, clients and COIs
Makes day-to-day decisions in executing AMG banking transactions to ensure quality and efficiency
Proficient in the origination, financial analysis, negotiation and documentation of credit and non-credit banking products and services
Manages/monitors book of business to ensure client satisfaction, client retention and expansion of sales revenue
Demonstrates strong ability to analyze, evaluate and mitigate credit risk for complex credit requests by utilizing knowledge of advanced credit fundamentals and internal credit policies
Provides leadership and mentoring to junior members of team
Ensures compliance with current banking policies and regulations
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
Be 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

Benefits

Comprehensive range of benefits
Medical/prescription drug coverage (with a Health Savings Account feature)
Dental and vision options
Employee and spouse/child life insurance
Short and long-term disability protection
401(k) with PNC match
Pension and stock purchase plans
Dependent care reimbursement account
Back-up child/elder care
Adoption, surrogacy, and doula reimbursement
Educational assistance, including select programs fully paid
Robust wellness program with financial incentives
Maternity and/or parental leave
Up to 11 paid holidays each year
9 occasional absence days each year, unless otherwise required by law
Between 15 to 25 vacation days each year, depending on career level; and years of service