Consumer Credit Expert - Mortgage

** 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 Consumer Credit Expert - Mortgage within PNC's Credit Risk Management organization, you will be based in Pittsburgh, PA / Charlotte, NC / Cleveland, OH / Cincinnati, OH / Dallas, TX / Washington, DC.

The Consumer Credit Expert - Mortgage provides second line of defense credit risk oversight for the mortgage business and serves as a senior subject matter expert on mortgage underwriting, portfolio performance, policy, and risk governance. This role is responsible for providing independent review and credible challenge across credit strategies, underwriting practices, product changes, exception trends, and portfolio results to help ensure alignment with risk appetite, regulatory expectations, and sound risk management practices.

The director partners closely with business, underwriting, analytics, finance, operations, and risk teams to identify emerging risk, evaluate performance trends, and support well-informed credit decisions. The role also translates complex portfolio and policy issues into clear, actionable insights for senior leadership and governance forums.

Qualifications

- 8-10 years of experience in mortgage, consumer credit, credit risk, underwriting, or portfolio risk management.

- Strong knowledge of mortgage underwriting, credit policy, loss performance, and portfolio monitoring practices.

- Demonstrated ability to work across governance, regulatory, analytics, and business teams in a highly controlled environment.

Key Responsibilities

· Provide independent second line oversight of mortgage credit underwriting, policy execution, exception management, and portfolio performance.

· Review and challenge credit strategies, product changes, underwriting guidelines, and risk decisions to ensure alignment with risk appetite and control expectations.

· Monitor mortgage portfolio trends, including originations, delinquency, losses, exceptions, and concentrations, and elevate emerging issues to management as appropriate.

· Partner with analytics and reporting teams to evaluate performance, develop meaningful risk insights, and support recurring and ad hoc governance reporting.

· Support policy development, review changes to underwriting and risk frameworks, and help ensure documentation, approvals, and controls are complete and well governed.

· Communicate portfolio observations, risk themes, and recommendations clearly to senior leaders and governance forums, using sound judgment and a balanced view of risk and business impact.

Preferred Background

· Experience supporting mortgage products across underwriting, product, servicing, collections, loss mitigation, or related risk functions.

· Demonstrated success influencing decisions in a matrixed environment through expertise, clear communication, and credible challenge.

· Strong written and verbal communication skills, with the ability to distill complex mortgage credit issues for executive audiences.

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.

** Job Description*
* + Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.

+ Maintains in depth knowledge of consumer credit policy and ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.

+ Monitors credit by leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc…