Loan Support Analyst Senior - Covenant Administration - Midland

Position Overview

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 Support Analyst Senior within PNC's Midland organization, you will be based within the PNC Midland footprint.

As a Loan Support Analyst Senior within PNC’s Covenant Administration department, you will be primarily responsible for the covenant monitoring and testing to safeguard the Lenders’ cashflow and collateral as prescribed by the related loan documents. You will be responsible for reading and interpreting commercial real estate loan documents and analyzing financial statements. You will also be communicating with borrowers regarding the financial test results and any further action required.

Lastly, you will be responsible for performing quality control reviews on relevant testing that requires any action to be taken. Experience with financial statements is preferred along with strong communication, time management, attention to detail and organizational skills.

• Apply specialty product knowledge to the day-to-day servicing of a portfolio of commercial real estate loans with elevated borrower relationships and/or complexity to include increased communication and autonomy.
• Support the day-to-day servicing of a portfolio of commercial real estate loans, ensuring compliance with loan documents, accurate processing of transactions and timely reporting to stakeholders.
• Analyze and interpret complex loan agreements to accurately apply loan terms in loan servicing activities.
• All servicing activities must be carried out in compliance with servicing agreements, loan documentation, internal policies and procedures, and applicable laws and regulations.
• Resolve non‑compliant issues through written and verbal communication with both internal and external parties.
• Review and process loan payments, escrows and reserve account disbursements.
• Assist in the preparation of periodic reporting including investor, internal and regulatory reports.
• Perform covenant compliance testing.
• Maintain accurate and up‑to‑date loan servicing records in the servicing system.
• Support the onboarding of new loans and the transition of paid‑off or transferred loans.
• Support tax and insurance administration.
• Perform collection activities on delinquent accounts.
• Have funds disbursement authority.
• Review reports to identify exceptions, ensure quality and contribute to risk mitigation efforts.
• Serve as a subject‑matter resource and provide specialty product training.

• Analytical Thinking
• Capital Management
• Compliance Requirements
• Documentations
• Due Diligence
• Loan Documentation
• Regulatory Compliance
• Risk Mitigation Strategies
• Consulting
• Customer Interaction
• Decision Making and Critical Thinking
• Effective Communications
• Financial Analysis
• Managing Multiple Priorities
• Negotiating
• Operational Functions
• Products and Services
• Relationship Management
• Roles at this level typically require a university/college degree with < 1 year of professional experience and/or successful completion of a formal development program. In lieu of a degree, a comparable combination of education, job‑specific certification(s), and experience (including military service) may be considered.
• Bachelor’s degree required.
• No certification or license required.

• 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
• Paid time off: 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,…