Credit Product Specialist

PNC•Portland, OR

3d•$80,000 - $178,250•Onsite

About The Position

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.

Requirements

University / college degree
Industry relevant experience is typically 8+ years.
In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
Bachelors
No Required Certification(s)
No Required License(s)
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.

Nice To Haves

Higher level education such as a Masters degree, PhD, or certifications is desirable.
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
Effective Communications
Financial Analysis
Knowledge of Underwriting
Negotiating
Portfolio Management

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

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.