Credit Product Manager

PNC Bank•San Francisco, CA

1d•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 Credit Product Manager within PNC's Regional Credit Products Group organization, you will be based in San Francisco, CA. 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.

Requirements

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.
Bachelors
No Required Certification(s)
No Required License(s)

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
Client Relationship Management
Credit Analysis and Verification
Decision Making and Critical Thinking
Financial Analysis
Knowledge of Underwriting
Negotiating
Portfolio Management
Higher level education such as a Masters degree, PhD, or certifications is desirable.
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.

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

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.