Consumer Credit Expert - Mortgage
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 Consumer Credit Expert - Mortgage within PNC's Credit Risk Management organization, you will be based in Pittsburgh, PA / Charlotte, NC / Cleveland, OH / Cincinnati, OH / Dallas, TX / Washington, DC. The Consumer Credit Expert - Mortgage provides second line of defense credit risk oversight for the mortgage business and serves as a senior subject matter expert on mortgage underwriting, portfolio performance, policy, and risk governance. This role is responsible for providing independent review and credible challenge across credit strategies, underwriting practices, product changes, exception trends, and portfolio results to help ensure alignment with risk appetite, regulatory expectations, and sound risk management practices. The director partners closely with business, underwriting, analytics, finance, operations, and risk teams to identify emerging risk, evaluate performance trends, and support well-informed credit decisions. The role also translates complex portfolio and policy issues into clear, actionable insights for senior leadership and governance forums.
Requirements
- 8-10 years of experience in mortgage, consumer credit, credit risk, underwriting, or portfolio risk management.
- Strong knowledge of mortgage underwriting, credit policy, loss performance, and portfolio monitoring practices.
- Demonstrated ability to work across governance, regulatory, analytics, and business teams in a highly controlled environment.
- Bachelors degree
- Analytical Thinking
- Credit Risk
- Operational Functions
- Portfolio Management - 1
- Quantitative Techniques
- Risk Management Policies and Procedures
Nice To Haves
- Experience supporting mortgage products across underwriting, product, servicing, collections, loss mitigation, or related risk functions.
- Demonstrated success influencing decisions in a matrixed environment through expertise, clear communication, and credible challenge.
- Strong written and verbal communication skills, with the ability to distill complex mortgage credit issues for executive audiences.
- Higher level education such as a Masters degree, or PhD is desirable.
- Analytical Thinking
- Commercial Real Estate
- Competitive Advantages
- Consumer Lending
- Credit Risk Management
- Data Analytics
- Decision Making
- Financial Operations
- Portfolio Risk
- Risk Appetite
Responsibilities
- Provide independent second line oversight of mortgage credit underwriting, policy execution, exception management, and portfolio performance.
- Review and challenge credit strategies, product changes, underwriting guidelines, and risk decisions to ensure alignment with risk appetite and control expectations.
- Monitor mortgage portfolio trends, including originations, delinquency, losses, exceptions, and concentrations, and elevate emerging issues to management as appropriate.
- Partner with analytics and reporting teams to evaluate performance, develop meaningful risk insights, and support recurring and ad hoc governance reporting.
- Support policy development, review changes to underwriting and risk frameworks, and help ensure documentation, approvals, and controls are complete and well governed.
- Communicate portfolio observations, risk themes, and recommendations clearly to senior leaders and governance forums, using sound judgment and a balanced view of risk and business impact.
- Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
- Maintains in depth knowledge of consumer credit policy and ensures adherence to policy.
- Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
- Monitors credit by leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics from APM, oversees follow-up, and analyzes output to inform decision - making.
- Manages and updates credit transaction models utilized within defined asset class and activity and ensures adherence to model management processes (i.e., model validation, testing, maintenance) by ensuring the appropriate resources are in place to adhere to MRMG guidance.
- Follows and recognizes economic, regulatory, and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy.
- Reviews validation outputs on data produced and delivered; ensures that work set is completed and that the right conversations are taking place to execute deliverables.
Benefits
- 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
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Director
