Commercial Credit Expert - Real Estate Banking

PNC • Atlanta, GA

3d • $133,000 - $296,400 • Onsite

About The Position

At PNC, the Commercial Credit Expert works within the Real Estate Banking organization and is based in one of the listed offices: Pittsburgh, Atlanta, Boca Raton, Cleveland, Chicago, or Dallas. The role provides risk management oversight for large institutional commercial real estate clients and supports credit approval, policy and procedural compliance, portfolio risk management, credit monitoring, and reporting. It analyzes complex credit extensions and facility structures within PNC’s credit policies and prescribed approval authorities, and has final approval authority on an obligor’s risk rating. The position also monitors portfolio issues and trends, assesses borrower and market risks, and contributes to credit decision-making. PNC describes this as an in-office role and notes that occasional travel to other markets may be needed.

Requirements

• Typically requires a university or college degree; a comparable combination of education, job-specific certifications, and experience may be considered in lieu of a degree.
• Industry experience is typically 8 or more years.
• Demonstrated knowledge, skills, and abilities appropriate to the role.
• Strong credit analysis and verification, credit risk, financial statement analysis, portfolio management, and risk management capabilities.
• Ability to analyze commercial real estate credit and manage portfolio risk.
• No required certifications or licenses are listed.
• No employment visa sponsorship or STEM OPT participation is available for this position.

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 multiple markets.
• Client relationship management experience.
• Experience through a full economic cycle.
• A master’s degree or PhD is desirable.
• Flexibility to travel occasionally to other markets for site visits and in-person interactions.

Responsibilities

• Provide risk management oversight for large institutional commercial real estate clients in assigned markets.
• Communicate issues clearly and concisely to colleagues to support an appropriate loan portfolio risk profile.
• Escalate issues and questions to a manager or other colleagues when appropriate.
• Analyze business-segment activities, including credit approvals, policy and procedural compliance, portfolio risk management, credit monitoring, and reporting.
• Analyze complex credit extensions, including overdrafts, within prescribed approval authorities.
• Exercise final approval authority on obligors’ risk ratings.
• Analyze credit facility structures and underwriting within the context of credit policies.
• Support scorecard validation, testing, and maintenance activities.
• Understand portfolio issues, trends, and root causes to manage credit portfolios effectively and support decision-making.
• Review reporting and assess trends to analyze risk in assigned credit portfolios.
• 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.
• Occasionally travel to other markets for site visits and in-person interaction with colleagues, clients, and prospects.

Benefits

• Medical and prescription drug coverage, including a Health Savings Account feature, for eligible full-time employees.
• 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, depending on eligibility.
• Up to 11 paid holidays each year, depending on eligibility.
• Nine occasional absence days each year, unless otherwise required by law, depending on eligibility.
• 15 to 25 vacation days each year depending on career level and years of service, subject to eligibility.
• Incentive-eligible compensation based on company, business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior