Credit Risk Review Advisor Senior
About The Position
At PNC, the Credit Risk Review Advisor Senior works within the Enterprise Risk organization and is based in Pittsburgh, PA, or a PNC hub location. Remote work may be approved for select geographic locations; approved work must be conducted from a quiet, secure, confidential home workspace, and occasional office participation may be required based on business needs. PNC will not provide employment visa sponsorship or participate in STEM OPT for this position. The role assesses complex credit and credit-related transactions, including credit facility structures and underwriting processes. It applies expert knowledge of credit policies and procedures to evaluate inherent and material risks, validate scorecard risk ratings and borrower credit administration, and understand portfolio issues, trends, and root causes. The advisor independently prepares work papers and supporting documentation, tracks issues, follows up on examination findings with business leaders, and serves as a Second Level Reviewer. The role analyzes assigned portfolios, identifies concentrations and systemic trends, participates in continuous monitoring, and oversees file reviews as Reviewer in Charge. It assesses findings, determines final ratings, drafts review reports, and serves as an expert resource to the team. The position requires an expert understanding of the credit cycle and economic indicators and how to use industry and economic research tools in reviews. PNC expects employees to focus on customers and manage risks in accordance with its Enterprise Risk Management Framework. The role is incentive eligible, with incentive payments based on company, business, and/or individual performance. PNC provides a comprehensive benefits program, subject to eligibility.
Requirements
- Typically requires a university or college degree; a comparable combination of education, job-specific certifications, and experience, including military service, may be considered in lieu of a degree.
- Typically requires 8 or more years of industry-relevant experience.
- Bachelor's degree listed as the education requirement.
- Demonstrated appropriate knowledge, skills, and abilities for the role.
- Expert understanding of the credit cycle and economic indicators' impact on key driving metrics.
- Expert knowledge of credit policies and procedures and ability to assess credit risk.
- No required certifications or licenses are listed.
- No required or preferred language assessments are listed.
Nice To Haves
- Higher-level education such as a master's degree or PhD, or certifications, is desirable.
- Analytical thinking.
- Commercial real estate knowledge.
- Competitive advantages knowledge.
- Consumer lending knowledge.
- Credit risk management.
- Data analytics.
- Decision making.
- Financial operations.
- Portfolio risk.
- Risk appetite.
- Business data analysis.
- Coaching others.
- Effective communications.
- Establishing and maintaining trust.
- Influencing through expertise.
- Loan review.
- Organizational governance.
- Planning and organizing.
- Knowledge of the financial services regulatory environment.
- Specific certifications are often required for roles at this level.
Responsibilities
- Assess complex credit and credit-related transactions, including credit facility structures and underwriting processes.
- Apply expert knowledge of credit policies and procedures to assess inherent and material credit risk.
- Validate scorecard risk ratings and borrower credit administration.
- Understand portfolio issues, trends, and root causes to support effective credit portfolio management.
- Independently complete work papers, issue tracking, and supporting documentation.
- Follow up on examination findings with business leaders and serve as a Second Level Reviewer.
- Communicate credit risk review objectives, outcomes, and recommendations for issue remediation.
- Analyze assigned credit portfolios using relevant reporting and trend assessments.
- Identify risk concentrations, systemic trends, or issues and provide expert analytical insight.
- Participate in continuous monitoring for assigned portfolios.
- Oversee file review activities as Reviewer in Charge for assigned business segments.
- Assess file review results and findings, determine final ratings, and draft review reports.
- Serve as an expert resource to the team.
- Use knowledge of the credit cycle, economic indicators, and industry and economic research tools in reviews.
- Focus on customer needs and satisfaction in business decisions and customer solutions.
- Assess and manage business risks in support of PNC's Enterprise Risk Management Framework.
Benefits
- Medical and prescription drug coverage, including 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 plan.
- Stock purchase plans.
- Dependent care reimbursement account.
- Backup child and elder care.
- Adoption, surrogacy, and doula reimbursement.
- Educational assistance, including select fully paid programs.
- 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 and 25 vacation days each year, depending on career level and years of service.
- Incentive eligibility, with payments based on company, business, and/or individual performance.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
