Relationship Manager III - Business Credit

PNC•Philadelphia, PA

3d•$146,300 - $271,700•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 Relationship Manager III within PNC's Business Credit organization, you will be based in Philadelphia, PA, or Baltimore, MD. As part of PNC's Asset Based Lending (ABL) team, this role manages a portfolio of commercial lending relationships and serves as a key client-facing representative throughout the credit process. The Relationship Manager is responsible for delivering a high level of service, coordinating amendments and renewals, and applying strong financial and credit analysis skills to support sound credit decisions and ongoing portfolio performance. Credit training or prior credit experience is highly valued. 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

Roles at this level typically require a university / college degree.
Industry relevant experience is typically 8+ years.
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

Credit training or prior credit experience is highly valued.
Book Of Business
Client Relationship Building
Credit Processes
Credit Products
Customer Engagement
Decision Making
Financial Analysis
Identifying Sales Opportunities
Accuracy and Attention to Detail
Business Acumen
Collateral Management
Credit Analysis and Verification
Customer Experience Management.
Effective Communications
Financial Engineering
Regulatory Environment - Financial Services
Higher level education such as a Masters degree, PhD, or certifications is desirable.

Responsibilities

Sets relationship strategies and directs relationship management activities with existing clients to ensure client retention, risk management and revenue growth.
Typically works with clients with advanced levels of risk and complexity of needs.
Works independently and may mentor other team members.
Independently handles the origination, negotiation and documentation of credit and non-credit products and services with high levels of complexity.
Prepares approval documents using independent judgment to identify risks and mitigants and analyze credit, collateral strength, and financial worthiness of loan/transaction parties.
Manages risk/return and drives quality for existing clients, actively identifying and mitigating different types of risk, such as regulatory, reputational, operational and credit risks.
Expands and retains client relationships to generate revenue and deepen share of wallet.
Focuses on client retention strategies by providing ideas and insights based on an in-depth understanding of the client's needs and their financial well-being.
Focuses on increasing client engagement and loyalty.
Leverages an established and effective network of internal and external relationships, such as community and industry relationships, to enhance the client experience.
Focuses on bringing entire bank to the client by presenting the full range of PNC's products and services.
With oversight as applicable, negotiates workout options with customers to reduce risks and losses.
Works with internal and external business partners and borrowers to better secure collateral coverage.
Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

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.