Credit Product Specialist (Public Finance)

PNC•Dallas, TX

3d•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 Specialist within PNC's Regional Credit Products Group organization, you will be based in Dallas or Houston, TX. This position is primarily based in a location within PNC’s footprint. Public Finance experience is required. 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. Structures and advises clients on various 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 RMs. Responsible for structuring credit transactions within the Banks credit risk appetite. Leads internal white boarding and diligence sessions to assess viable solutions. Drives the internal credit approval process, loan documentation and closing. Responsible for the indirect 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.

Requirements

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role.
Roles at this level typically require a university / college degree.
Industry relevant experience is typically 8+ years.
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.
Public Finance experience is required.

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

Responsibilities

Serves as a market level credit product expert.
Structures and advises clients on various 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 RMs.
Responsible for structuring credit transactions within the Banks credit risk appetite.
Leads internal white boarding and diligence sessions to assess viable solutions.
Drives the internal credit approval process, loan documentation and closing.
Responsible for the indirect 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 Your PNC Total Rewards.

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