Relationship Manager I - SMB Commercial Real Estate/Business Banking

PNC•Lakewood, CO

3d•$94,875 - $158,125•Onsite

About The Position

At PNC, employees work together to deliver a strong customer experience and foster an inclusive workplace. This Relationship Manager role is part of PNC’s SMB Multi-segment organization, is based in the Colorado Market, and focuses on commercial real estate financing and commercial lending. PNC describes itself as an in-office company and encourages candidates to discuss workplace expectations with their recruiter and hiring manager. PNC will not provide employment visa sponsorship or participate in STEM OPT for this position. The role manages relationships with new and existing clients in a book of business to grow sales, revenue, and market share. Clients include sophisticated commercial real estate owners, investors, and developers, and the role generally handles basic levels of risk and complexity under a higher degree of supervision. With direction, the Relationship Manager acquires, expands, and retains client relationships; originates, structures, and manages commercial real estate financing transactions; and manages risk and transaction quality. The position uses credit judgment and knowledge of credit fundamentals and internal credit policies to assess and mitigate risk, identify client opportunities, deepen engagement and loyalty, and connect clients with PNC’s products and services. The role builds internal and external networks to acquire and expand client relationships, and uses reporting and sales tools to identify and convert opportunities. It emphasizes customer-focused decision-making and effective management of risks consistent with PNC’s Enterprise Risk Management Framework.

Requirements

University or college degree, typically, with 3 or more years of relevant or direct industry experience; a comparable combination of education, job-specific certifications, and experience, including military service, may be considered in lieu of a degree.
Bachelor’s degree listed as the education requirement.
Demonstrated knowledge, skills, and abilities appropriate to the role.
Competencies include business acumen, client relationship management, credit analysis and verification, customer experience management, decision making and critical thinking, effective communications, industry knowledge, managing multiple priorities, portfolio management, prospecting, sales negotiating, selling, and tech savvy.

Nice To Haves

Certifications are often desired; no specific required certification is listed.

Responsibilities

Acquire, expand, and retain client relationships to generate revenue and deepen share of wallet.
Originate, structure, and manage commercial real estate financing transactions, including construction, acquisition, bridge, and permanent financing across major commercial property types.
Manage risk and return and maintain quality for new and existing clients; identify and mitigate regulatory, reputational, operational, credit, and other risks.
Apply credit judgment when evaluating and structuring transactions, considering property cash flow, leverage, valuation, sponsorship, market dynamics, and repayment sources.
Identify client opportunities and provide ideas and insights based on clients’ needs and financial well-being.
Increase client engagement and loyalty.
Build internal and external relationships to acquire new clients, expand existing relationships, and enhance the client experience.
Present the full range of PNC products and services to clients and use reporting and sales tools to identify and convert sales opportunities.
Analyze, evaluate, and mitigate credit risk using credit fundamentals and internal credit policies.
Focus on customer needs and manage business risks in accordance with PNC’s Enterprise Risk Management Framework.

Benefits

Medical and prescription drug coverage, with a Health Savings Account feature, subject to eligibility.
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 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, depending on eligibility.
Up to 11 paid holidays each year, depending on eligibility.
9 occasional absence days each year, unless otherwise required by law.
15 to 25 vacation days each year, depending on career level and years of service.
Incentive compensation based on company, business, and/or individual performance.