Commercial Credit Expert - Real Estate Banking

PNC Bank•Pittsburgh, PA

1d•Onsite

About The Position

As a Commercial Credit Expert in PNC’s Real Estate Banking organization, you will oversee risk management for large institutional commercial real estate clients in assigned markets. The role analyzes credit approvals, policy and procedural compliance, portfolio risk management, credit monitoring, and reporting. It analyzes complex credit extensions and facility structures within prescribed approval authorities and PNC credit policies, and carries final approval authority on obligor risk ratings. The position also supports scorecard validation, testing, and maintenance; tracks portfolio issues, trends, and root causes; and incorporates economic, regulatory, and other borrower-related trends into credit assessments. The role is based in Pittsburgh, Atlanta, Boca Raton, Cleveland, Chicago, or Dallas. PNC is an in-office company, with occasional travel to other markets for site visits and in-person interactions. The position is incentive eligible, with compensation based on company, business, and/or individual performance.

Requirements

Bachelor’s degree; in lieu of a degree, a comparable combination of education, job-specific certifications, and experience may be considered.
Typically requires 8 or more years of industry experience.
Knowledge, skills, and abilities appropriate to the role.
The posting states that specific certifications are often required, but lists no required certifications for this position.
No required license.

Nice To Haves

Eight or more years of underwriting or credit experience, including prior client relationship experience and deal documentation.
Experience as a commercial real estate finance professional identifying, analyzing, and mitigating risks in large transactions across markets.
Client relationship management experience.
Experience through a full economic cycle.
Master’s degree or PhD.
Flexibility to occasionally travel to other markets for site visits and in-person interactions.

Responsibilities

Oversee risk management for large institutional commercial real estate clients in assigned markets.
Communicate issues clearly and concisely to colleagues to support appropriate loan-portfolio risk profiles.
Escalate issues and questions to the manager or other colleagues as appropriate.
Analyze business-segment activities, including credit approvals, policy and procedural compliance, portfolio risk management, credit monitoring, and reporting.
Analyze complex client credit extensions, including overdrafts, within prescribed approval authorities.
Exercise final approval authority on obligor risk ratings.
Analyze credit facility structures and underwriting processes in the context of credit policies.
Support scorecard validation, testing, and maintenance activities.
Identify portfolio issues, trends, and root causes and analyze reporting to assess portfolio risk and inform decisions.
Maintain knowledge of economic, regulatory, and other trends affecting borrowers and incorporate relevant information into borrower assessments.
Work with relationship managers, underwriters, and service partners to determine loan structures consistent with PNC’s risk appetite and client development goals.

Benefits

Medical and prescription drug coverage, including 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 plan
Stock purchase plan
Dependent care reimbursement account
Back-up child and elder care
Adoption, surrogacy, and doula reimbursement
Educational assistance, including select fully paid programs
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
15 to 25 vacation days each year, depending on career level and years of service
Incentive-eligible compensation based on company, business, and/or individual performance