Credit Product Manager

PNC•Tampa, FL

27d•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 an Credit Product Manager within PNC's Regional Credit Products Group organization, you will be based in Tampa, FL. 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 Serves as a market level credit product expert in addition to direct management of a team within Credit Products. Structures and advises clients on types of credit and credit-related transactions to meet clients needs while staying within the Bank's risk profile. Responsible for the entire execution of credit related products and all other credit products including but not limited to ACH, FX, EF and Derivatives. Manages the diligence/approval process and negotiate all legal documents and closing. Partners effectively with the Relationship Banking team to help identify and drive revenue through credit products. Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and on-going communication with the clients. Collaborates with RMs and other product partners (i.e. TM, FX, DCM) to assess credit needs generate ideas and deliver integrated solutions. Able to assess industry dynamics to advise on the best solutions. Participates in client and prospect calls in conjunction with the Relationship Managers. Responsible for structuring credit transactions within the banks credit risk appetite. Leads team through internal white boarding and diligence sessions to assess viable solutions. Drives the internal credit approval process, loan documentation and closing. Responsible for the direct management of a team of employees to handle all aspects of the credit process. Plays a key role in training, mentoring and developing junior talent. 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. PNC also has fundamental expectations of our people managers. As a manager of talent in PNC, you will be expected to: Include Intentionally - Cultivates diverse teams and inclusive workplaces to expand thinking. Live the Values - Role models our values with transparency and courage. Enable Change - Takes action to drive change and innovation that will transform our business. Achieve Results - Takes personal ownership to deliver results. Empowers and trusts others in decision making. Develop the Best - Raises the bar with every talent decision and guides the achievement of all employees and customers.

Requirements

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role.
Roles at this level typically require a university / college degree.
Industry experience is typically 8+ years.
At least 5 years of prior management experience is typically required.
In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
Bachelors

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, PhD, or certifications is desirable.

Responsibilities

Serves as a market level credit product expert in addition to direct management of a team within Credit Products.
Structures and advises clients on types of credit and credit-related transactions to meet clients needs while staying within the Bank's risk profile.
Responsible for the entire execution of credit related products and all other credit products including but not limited to ACH, FX, EF and Derivatives.
Manages the diligence/approval process and negotiate all legal documents and closing.
Partners effectively with the Relationship Banking team to help identify and drive revenue through credit products.
Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and on-going communication with the clients.
Collaborates with RMs and other product partners (i.e. TM, FX, DCM) to assess credit needs generate ideas and deliver integrated solutions.
Able to assess industry dynamics to advise on the best solutions.
Participates in client and prospect calls in conjunction with the Relationship Managers.
Responsible for structuring credit transactions within the banks credit risk appetite.
Leads team through internal white boarding and diligence sessions to assess viable solutions.
Drives the internal credit approval process, loan documentation and closing.
Responsible for the direct management of a team of employees to handle all aspects of the credit process.
Plays a key role in training, mentoring and developing junior talent.

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.
To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.

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