Relationship Manager III - Business Credit

PNC Bank•Pasadena, CA

11d•Onsite

About The Position

PNC is hiring a Relationship Manager III in its Business Credit organization, based in Pasadena, California. The role manages complex client relationships, credit transactions, and associated risks. The successful candidate will set relationship strategies, retain and grow client relationships, and connect clients with PNC’s broader range of products and services. This is an in-office role. PNC does not provide employment visa sponsorship or participate in STEM OPT for this position. The Relationship Manager independently originates, negotiates, and documents complex credit and non-credit products and services. The role prepares approval documents, assesses creditworthiness and collateral, and identifies risks and mitigants. It also manages risk and return across existing client relationships, works with borrowers and business partners to strengthen collateral coverage, and negotiates workout options with oversight where applicable. The position may also mentor other team members. The role typically requires a university or college degree and industry-relevant experience. The posting identifies a minimum of 4+ years of asset-based or collateral-based lending experience as ideal for this position, and states that roles at this level typically require 8+ years of industry-relevant experience. A comparable combination of education, job-specific certifications, and experience may be considered in lieu of a degree.

Requirements

A minimum of 4+ years of asset-based or collateral-based lending experience is identified as ideal for the role.
Roles at this level typically require 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.
Industry-relevant experience is typically 8+ years for roles at this level.
Bachelor’s degree listed under Education.
No required certifications or licenses.
Demonstrated knowledge, skills, and abilities appropriate for the role, including customer focus and effective risk management.

Nice To Haves

Master’s degree, PhD, or certifications are desirable.
Preferred skills include asset-based loans (ABL), book of business, client relationship building, credit processes, credit products, customer engagement, decision making, financial analysis, and identifying sales opportunities.
Relevant competencies include accuracy and attention to detail, business acumen, collateral management, credit analysis and verification, customer experience management, effective communications, financial engineering, and knowledge of the financial-services regulatory environment.

Responsibilities

Set relationship strategies and direct relationship-management activities with existing clients to support retention, risk management, and revenue growth.
Originate, negotiate, and document complex credit and non-credit products and services independently.
Prepare credit approval documents, using independent judgment to identify risks and mitigants and analyze credit, collateral strength, and the financial worthiness of transaction parties.
Manage risk and return for existing clients, identify and mitigate regulatory, reputational, operational, and credit risks, and drive quality.
Expand and retain client relationships to generate revenue and deepen share of wallet.
Develop client-retention strategies by providing ideas and insights based on an in-depth understanding of client needs and financial well-being.
Increase client engagement and loyalty.
Use internal and external relationships, including community and industry relationships, to enhance the client experience.
Present the full range of PNC products and services to clients.
Negotiate workout options with customers, with oversight as applicable, to reduce risk and losses.
Work with internal and external business partners and borrowers to improve collateral coverage.
May mentor other team members.

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 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.
Up to 11 paid holidays each year.
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-eligible compensation based on company, business, and/or individual performance.