Commercial Credit Expert - Central Credit Products Group (CCPG)

PNC•Washington, DC

1d•Onsite

About The Position

At PNC, the Commercial Credit Expert role is within the Independent Risk Management organization, supporting the Central Credit Products Group (CCPG). This position requires individuals to have 8+ years of commercial credit experience, with a portion of that time spent in a Credit Officer capacity. Key expectations include interpreting PNC’s Credit Policies and Procedures, particularly those related to Risk Rating, and possessing knowledge of the Commercial line of business. Subject matter expertise in various areas of commercial bank lending, including a comprehensive understanding of the credit process, is preferred. PNC operates as an in-office company, promoting a supportive culture. The role involves analyzing activities within the applicable business segment, such as the credit approval process, policy and procedural compliance, portfolio risk management, credit monitoring, and reporting. The expert will analyze the extension of credit, including overdrafts, for complex clients within defined approval authorities and hold final approval authority on an obligor's risk rating. Responsibilities also include analyzing credit facility structure and underwriting processes in line with credit policies, supporting scorecard validation and maintenance, and understanding portfolio issues and trends to manage credit portfolios effectively. The role requires analyzing output for decision-making and assessing risk in assigned credit portfolios by reviewing reports and trends, while also staying informed on economic, regulatory, and other trends affecting 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
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.
Competencies: 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
Bachelor's degree (or a comparable combination of education, job specific certification(s), and experience, including military service)

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.
Analytical Thinking
Commercial Real Estate
Competitive Advantages
Consumer Lending
Credit Risk Management
Data Analytics
Decision Making
Financial Operations
Portfolio Risk
Risk Appetite
Higher level education such as a Masters degree, or PhD

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.