Credit Risk Review Advisor - Commercial Lending

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 and fostering an inclusive workplace culture where all employees feel respected, valued and have an opportunity to contribute to the company’s success. As a Credit Risk Review Advisor within PNC’s Independent Risk Management organization, you will be based in Pittsburgh, PA;
Cleveland, OH;
Philadelphia, PA;
Birmingham, AL;
Charlotte, NC;
Wilmington, DE; or Raleigh, NC. The primary objective of Credit Risk Review (CRR) is to conduct timely and independent assessments of PNC’s credit exposures and credit risk. Results from CRR’s assessments are provided to senior management and PNC’s Risk Committee of the Board of Directors. As a CRR Advisor you will join a highly skilled team providing independent assessments of PNC’s commercial credit exposures, independently assessing sampled borrowers of moderate complexity, evaluating risk rating accuracy, underwriting quality, ongoing monitoring, and policy compliance;

identifying emerging risks and trends; and producing well‑supported documentation and recommendations in collaboration with internal partners to uphold the integrity and continuous improvement of the Credit Risk Review function. Your understanding of sound commercial lending and credit risk practices will enable you to provide valuable insights and recommendations to drive effective credit risk management practices.

Execute file review assessments on moderately complex credit and credit‑related transactions, including credit facility structures and underwriting processes, within the context of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate scorecard risk ratings and borrower credit administration. Ensure understanding of portfolio issues, trends and root causes to manage credit portfolios effectively. Complete work papers and supporting documentation, maintain awareness of relevant issues, and follow up on exam findings with the business with minimal guidance.

Effectively communicate credit risk review plans and objectives for reviews. Demonstrate a robust understanding of the credit cycle and economic indicators’ impact on key driving metrics, and leverage industry/economic research tools into the review.

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for this role. The following skills, competencies, work experience, education, certifications, and other requirements are preferred.

• Robust credit knowledge and strong experience related to commercial credit extension and management.
• 5+ years of Credit Risk/Credit Underwriting, specifically dealing with larger, more complex transactions in Commercial & Industrial, CRE, Corporate Banking, Leverage Lending, Middle Market, etc.
• Strong verbal and written communication skills, and the ability to handle difficult conversations, are critical to effectively communicate with stakeholders.

• Analytical Thinking
• Commercial Real Estate
• Competitive Advantages
• Consumer Lending
• Credit Risk Management
• Data Analytics
• Decision Making
• Financial Operations
• Portfolio Risk
• Risk Appetite

• Analytical Thinking
• Conflict Management
• Credit Risk
• Effective Communications
• Loan Review
• Organizational Governance
• Regulatory Environment – Financial Services

Roles at this level typically require a university or college degree and 5+ years of industry‑relevant experience. 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.

Bachelor’s degree preferred.

No required certifications.

No required licenses.

$87,500.00 – $ base salary; may vary by location, market data and individual skill and experience. This role is incentive eligible with payment based upon company, business and/or individual performance.

• Medical/Prescription…