Credit Risk Review Advisor - Retail & Private Bank
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. We are looking to hire a Credit Risk Review Advisor in Credit Risk Review within PNC's Independent Risk Management organization. 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 Retail & Private Bank credit exposures. You may have responsibility of being a Reviewer in Charge. The Reviewer in Charge is responsible for the successful completion of a review engagement, including managing Reviewers, performing credit portfolio analysis, summarizing the results stemming from the review of credit files sampled as part of a review engagement. Your deep understanding of sound Consumer and/or Small Business lending and credit risk practices will enable you to provide valuable insights and recommendations to drive effective credit risk management practices.
Requirements
- University / college degree, with 5+ years of industry-relevant experience.
- Analytical Thinking
- Commercial Real Estate
- Competitive Advantages
- Consumer Lending
- Credit Risk Management
- Data Analytics
- Decision Making
- Financial Operations
- Portfolio Risk
- Risk Appetite
- Analytical Thinking
- Conflict Management
- Credit Risk
- Effective Communications
- Loan Review
- Organizational Governance
- Regulatory Environment - Financial Services
- Knowledge and understanding of regulatory requirements for various types of portfolios.
Nice To Haves
- Knowledge of PNC Retail Policies and credit decision framework is a plus.
- 7+ years of Credit Risk/Credit Underwriting preferred, specifically related to Mortgage, Home Equity, Credit Card, Auto Lending, Personal Lending, Small Business, Private Bank and/or Student Lending portfolios.
- Strong verbal and written communication, in addition to ability to handle difficult conversations, are critical to effectively communicate with stakeholders.
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.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
