Loan Credit Workout Analyst Senior - Retail Bank Operations

PNC•Miamisburg, OH

2d•$37,500 - $75,000•Remote

About The Position

The scope of Retail Bank Operations is impressively broad and encompasses a wide range of critical functions. These include managing the cash needs for our branch and ATM networks, printing and mailing important bank documents, and handling both inbound and outbound collections for home lending, automobile, and card services. Additionally, Retail Bank Operations focuses on loan mitigation and investor operations, developing process improvement and automation opportunities, overseeing the daily processing of cash and check deposits, bill payments, and executes strategic quality management functions. 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 Loan Credit Workout Analyst Senior within PNC's Retail Bank Operations organization, you will be based in remotely. Work Schedule: Monday - Friday 8:00 am - 5:00 PM ET This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs. 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. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
Roles at this level typically require an Associates or equivalent degree as well as related experience or product knowledge to accomplish primary duties. Typically requires 4+ years of related business or functional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
Associates
No Required Certification(s)
No Required License(s)
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

Nice To Haves

Attention to Detail
Experience with systems including MSP, LSS, SMDU, and/or FHLMC Resolve &FNMA LMS/SMDU decisioning tools
Experience in Credit Underwriting (experience calculating income and expenses) is strongly preferred
Experience in Loss Mitigation or Mortgage Default
Competitive Advantages
Credit Processes
Customer Solutions
Exercise Management
Facilitation
Information Collection
Product Management
Risk Assessments
Accuracy and Attention to Detail
Conflict Management
Credit Analysis and Verification
Effective Communications
Flexibility and Adaptability
Knowledge Of Product Line
Managing Multiple Priorities
Problem Solving
Regulatory Environment - Financial Services

Responsibilities

Reviews the customer's income and expenses for more complex, high-risk customer groups. Determines the legitimacy of the hardship and the workout options available to the customers based on bank/investor guidelines.
Reviews income, expense and available product options. Focuses on assessing the customer's qualifications in order to facilitate the appropriate action and minimize loss to the bank.
Reviews bank, investor and regulatory guidelines to ensure the account is serviced according to policy to provide a workout alternative.
Works with internal business partners as appropriate to gather information and clarify inconsistent, incorrect or missing information.
Monitors assigned work queues and work flows to ensure goals are met. Uses online systems to accurately document customer account information. Serves as a subject matter resource and mentor for team.

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.