Commercial Credit Expert

PNC • Pittsburgh, PA

4d • 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 within PNC's Corporate Banking organization, you will be based in Pittsburgh PA or Birmingham AL. • Extensive experience (8+ years) in commercial credit with underwriting, portfolio oversight, and independent credit decisioning. • Demonstrated expertise in managing criticized and problem loan portfolios, including early identification, risk grading, action plans, and resolution strategies (workouts, restructures, exits). • Proven ability to exercise sound credit judgment within risk appetite, including approval, escalation, and negotiation of complex or high risk exposures. • Strong leadership capability to provide effective credit guidance and constructive challenge to relationship managers and underwriting teams while ensuring policy consistency. • Excellent written and verbal communication skills, with experience presenting clear, defensible credit and resolution rationale to senior management and credit committees. 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. Job Description 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. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: 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. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. Being a great place to work means we are making a lasting difference for everyone we serve. Check out the top reasons to join PNC. PNC’s total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page. If you're not ready to apply yet, or you'd like to learn more about PNC, join the Talent Community to receive regular updates on what's happening at PNC and available career opportunities. Click to join!

Requirements

• Extensive experience (8+ years) in commercial credit with underwriting, portfolio oversight, and independent credit decisioning.
• Demonstrated expertise in managing criticized and problem loan portfolios, including early identification, risk grading, action plans, and resolution strategies (workouts, restructures, exits).
• Proven ability to exercise sound credit judgment within risk appetite, including approval, escalation, and negotiation of complex or high risk exposures.
• Strong leadership capability to provide effective credit guidance and constructive challenge to relationship managers and underwriting teams while ensuring policy consistency.
• Excellent written and verbal communication skills, with experience presenting clear, defensible credit and resolution rationale to senior management and credit committees.
• 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.
• Roles at this level typically require a university / college degree.
• Industry experience is typically 8 + years.

Nice To Haves

• 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 is desirable.
• Specific certifications are often required.
• In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

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

• PNC offers a comprehensive range of benefits to help meet your needs now and in the future.
• Depending on your eligibility, options for full-time employees include: 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.
• In addition, PNC generally provides the following paid time off, depending on your eligibility: 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees