Relationship Manager II - Business Credit​/Steel City

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 Relationship Manager II within PNC's Business Credit organization, you will be based in Dallas, TX;
Philadelphia, PA; or NYC. This position is within PNC’s Steel City Group and requires experience working with Middle Market Cash Flow Lending. PNC is an in‑office company that fosters a supportive culture where employees can thrive and achieve balance.

Coordinate relationship management activities with existing clients to ensure client retention, risk management and revenue growth. Typically work with clients with moderate levels of risk and complexity of needs and generally work with a moderate degree of supervision. With modest oversight, handle the origination, negotiation and documentation of credit and non‑credit products and services. Prepare approval documents using judgment and guidance from a manager to identify risks and mitigants, and analyze credit, collateral strength, and financial worthiness of loan/transaction parties.

Within stated guidelines, effectively manage risk/return, drive quality for existing clients, and actively identify and mitigate different types of risk, such as regulatory, reputational, operational and credit risks. Work within stated guidelines to expand and retain client relationships to generate revenue and deepen share of wallet, focusing on client retention strategies, providing ideas and insights based on an understanding of the client’s needs and their financial well‑being, and increasing client engagement and loyalty.

Build and maintain an effective network of internal and external relationships—such as community and industry relationships—to enhance the client experience. Focus on bringing the entire bank to the client by presenting the full range of PNC’s products and services. With significant oversight and direction as applicable, negotiate workout options with customers to reduce risks and losses; work with internal and external business partners and borrowers to better secure collateral coverage.

Employees are expected to be 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. They must manage risk by assessing and effectively managing all risks associated with their business objectives and activities to ensure they adhere to and support PNC’s Enterprise Risk Management Framework.

• Preferred
  
  Skills:
  
  Book of Business, Client Relationship Building, Credit Processes, Credit Products, Customer Engagement, Decision Making, Financial Analysis, Identifying Sales Opportunities
• Competencies:
  
  Accuracy and Attention to Detail, Business Acumen, Collateral Management, Credit Analysis and Verification, Customer Experience Management, Effective Communications, Financial Engineering, Regulatory Environment – Financial Services
• Work Experience:
  
  Roles at this level typically require a university/college degree with 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.
• Education:
  
  Bachelor’s degree
• Certifications:
  
  None required
• Licenses:
  None required

Base Salary: $ – $ (may vary based on geographic location, market data and individual skills, experience, and education). This role is incentive eligible with payment based upon company, business and/or individual performance.

• 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,…