Commercial Credit Advisor Senior - Central Credit Products Group (CCPG)

PNC Bank•Phoenix, AZ

1d•Onsite

About The Position

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 Commercial Credit Advisor Sr., you will be within PNC’s Independent Risk Management organization, supporting the Central Credit Products Group (CCPG). Qualified candidates will have 8+ years of commercial credit experience and be expected to interpret PNC’s Credit Policies and Procedures, including those pertaining to Risk Rating. Knowledge of the Commercial line of business is necessary, and subject matter expertise on the various areas of lending within the Commercial bank, including an understanding of the credit process from beginning to end, is preferred. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. The role involves analyzing activities associated with applicable business segments and executing assessments, including the credit approval process, policy and procedural compliance, portfolio risk management, credit monitoring, and reporting on moderately complex credit and credit related transactions. The Senior Commercial Credit Advisor acts as a resource to junior Commercial Credit Risk Management staff, analyzes and approves the extension of credit for clients of moderate complexity, and analyzes moderately complex credit facility structures and underwriting processes. They support scorecard related validation, testing, and maintenance activities, and have final approval authority on an obligor's risk rating. The position also requires identifying portfolio issues, trends, and root causes to manage credit portfolios effectively, analyzing output to support decision-making, and assessing risk in assigned credit portfolios by reviewing relevant reporting and trends. This includes correlating industry, economic, regulatory, and other trends affecting borrowers, providing analytical insight to identify and manage forward-looking risks, and identifying risk concentrations, systemic trends or issues. PNC employees are expected to be Customer Focused, knowledgeable of values and practices that align customer needs and satisfaction as primary considerations, and adept at Managing Risk by assessing and effectively managing all risks associated with business objectives to ensure adherence to PNC's Enterprise Risk Management Framework.

Requirements

8+ years of commercial credit experience
Interpret PNC’s Credit Policies and Procedures, including those pertaining to Risk Rating.
Knowledge of the Commercial line of business
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.
Appropriate knowledge, skills, and abilities for a role.
University / college degree (Bachelor's)

Nice To Haves

Subject matter expertise on the various areas of lending within the Commercial bank, including an understanding of the credit process from beginning to end.
Higher level education such as a Masters degree, PhD, or certifications.
Analytical Thinking
Commercial Real Estate
Competitive Advantages
Consumer Lending
Credit Risk Management
Data Analytics
Decision Making
Financial Operations
Portfolio Risk
Risk Appetite
Conflict Management
Credit Analysis and Verification
Decision Making and Critical Thinking
Financial Statement Analysis
Portfolio Management - 1
Products and Services
Risk Management Policies and Procedures

Responsibilities

Analyzes activities associated with applicable business segment.
Executes assessments (including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting) on moderately complex credit and credit related transactions.
Acts as a resource to junior Commercial Credit Risk Management staff.
Analyzes and approves the extension of credit, including overdrafts, for clients of moderate complexity within prescribed approval authorities.
Analyzes moderately complex credit facility structures and underwriting processes within the context of credit policies.
Supports scorecard related validation, testing and maintenance activities.
Has final approval authority on an obligor's risk rating.
Identifies portfolio issues, trends, and root causes in order to manage credit portfolios effectively.
Analyzes output to support decision-making.
Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends.
Correlates industry, economic, regulatory and other trends in the credit cycle affecting borrowers and includes this information in the assessment of the borrowers.
Provides analytical insight and assesses sufficiency to identify and manage forward looking risks.
Identifies risk concentrations, systemic trends or issues.

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
A 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.