Credit Risk Review Advisor - Commercial Lending

PNC•Raleigh, NC

19h•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 Risk Review Advisor within PNC's Independent Risk Management organization, you will be based in Pittsburgh, PA / Cleveland, OH / Raleigh, NC / Birmingham, AL or Philadelphia, PA. The primary objective of Credit Risk Review (CRR) is to conduct timely and independent assessments of PNC’s credit exposures and credit risk. Results from CRR’s assessments are provided to senior management and PNC’s Risk Committee of the Board of Directors. As CRR Advisor you will join a highly skilled team providing independent assessments of PNC’s Commercial credit exposures. You will independently assess sampled borrowers of moderately complexity, evaluating risk rating accuracy, underwriting quality, ongoing monitoring, and policy compliance; identifying emerging risks and trends; and producing well supported documentation and recommendations in collaboration with internal partners to uphold the integrity and continuous improvement of the Credit Risk Review function. Your understanding of sound Commercial lending and credit risk practices will enable you to provide valuable insights and recommendations to drive effective credit risk management practices. 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.
Bachelors
Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience.
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.

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
Analytical Thinking
Business Data Analysis
Credit Risk
Effective Communications
Establishing and Maintaining Trust
Influencing
Loan Review
Organizational Governance
Planning and Organizing
Regulatory Environment - Financial Services

Responsibilities

Executes file review assessment on moderately complex credit and credit related transactions, including credit facility structures and underwriting processes, within the context of credit policies and procedures.
Understands inherent risk and the materiality of risk for credit transactions.
Validates scorecard risk ratings, and borrower credit administration.
Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively.
Completes work papers, supporting documentation, has awareness of relevant issues, and follows up on exam findings with the business with minimal guidance.
Effectively communicates credit risk reviews plans and objectives for reviews.
Robust understanding of the credit cycle and economic indicators' impact on key driving metrics.
Demonstrates significant knowledge of where and how to leverage industry/economic research tools into the review.

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.