Relationship Manager III - Business Credit

Position Overview

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 III within PNC's Business Credit organization, you will be based in New York city.

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 STEMOPT for this position.

Sets relationship strategies and directs relationship management activities with existing clients to ensure client retention, risk management and revenue growth. Typically works with clients with advanced levels of risk and complexity of needs. Works independently and may mentor other team members. Independently handles the origination, negotiation and documentation of credit and non‑credit products and services with high levels of complexity. Prepares approval documents using independent judgment to identify risks and mitigants and analyze credit, collateral strength, and financial worthiness of loan/transaction parties.

Manages risk/return and drives quality for existing clients, actively identifying and mitigating different types of risk, such as regulatory, reputational, operational and credit risks. Expands and retains client relationships to generate revenue and deepen share of wallet. Focuses on client retention strategies by providing ideas and insights based on an in‑depth understanding of the client's needs and their financial well‑being.

Focuses on increasing client engagement and loyalty. Leverages an established and effective network of internal and external relationships, such as community and industry relationships, to enhance the client experience. Focuses on bringing entire bank to the client by presenting the full range of PNC's products and services.

With oversight as applicable, negotiates workout options with customers to reduce risks and losses. Works with internal and external business partners and borrowers to better secure collateral coverage.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees 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.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

• Book Of Business
• Client Relationship Building
• Credit Processes
• Credit Products
• Customer Engagement
• Decision Making
• Financial Analysis
• Identifying Sales Opportunities

• Accuracy and Attention to Detail
• Business Acumen
• Collateral Management
• Credit Analysis and Verification
• Customer Experience Management
• Effective Communications
• Financial Engineering
• Regulatory Environment–Financial Services

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. 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:

Bachelors

Certifications:

No Required Certification(s)

Licen…