Commercial Credit Expert - Central Credit Products Group (CCPG)

PNC Bank•Pittsburgh, PA

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 Expert, 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, working in a Credit Officer capacity for a portion of that. Individuals will also 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. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. The role involves analyzing activities associated with the applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting. It also includes analyzing the extension of credit, including overdrafts, for clients of high complexity within prescribed approval authorities, having final approval authority on an obligor's risk rating, and analyzing credit facility structure and underwriting process within the context of credit policies. The expert supports scorecard related validation, testing and maintenance activities, ensures understanding of portfolio issues, trends, and root causes to manage credit portfolios effectively, and analyzes output to help determine decision-making. They also analyze risk in assigned credit portfolios by reviewing relevant reporting and assessing trends, and maintain knowledge of economic, regulatory and other trends affecting borrowers to incorporate this information into the assessment of the borrowers.

Requirements

8+ years of commercial credit experience
Working in a Credit Officer capacity for a portion of that experience
Ability to interpret PNC’s Credit Policies and Procedures, including those pertaining to Risk Rating
Knowledge of the Commercial line of business
Demonstrate appropriate knowledge, skills, and abilities for a role
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 (Customer Focused)
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 (Managing Risk)
Bachelor's degree

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, or PhD
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
Credit Risk
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, 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.

Benefits

Medical/prescription drug coverage (with a Health Savings Account feature)
Dental options
Vision options
Employee and spouse/child life insurance
Short and long-term disability protection
401(k) with PNC match
Pension plans
Stock purchase plans
Dependent care reimbursement account
Back-up child/elder care
Adoption reimbursement
Surrogacy reimbursement
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