Commercial Credit Expert - AMG

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 Commercial Credit Expert to support the Asset Management Group (AMG) within PNC's Credit Risk Management organization, you will be based in Pittsburgh, PA / Birmingham, AL / Charlotte, NC / Philadelphia, PA / Cleveland, OH / Washington, DC / New York City / Tysons Corner, VA / Nashville, TN or Raleigh, NC.

This role is 2

LOD Credit Risk oversight of AMG. Primary responsibilities for the role entail Commercial Credit transaction approvals for AMG, oversight of portfolio including monitoring the portfolio, observing performance, reporting on trends, working closely with AMG Credit Sales & Underwriting teams as a credit expert, participating in strategic deal review discussion leading the Credit team on behalf of 2

LOD Credit risk. In addition to AMG, this position also requires deep expertise in Small Business and commercial credit products, underwriting standards, portfolio risk management, and end‑to‑end credit processes

Experience:

* Commercial Underwriting experience required

* Experience working with Policy & Procedure

* Familiarity structuring credit deal transactions in a 2

LOD role

* Wealth Management experience may be preferred

* 8+ years of industry experience required

* Understanding of UHNW / Structured Lending

Competencies:

* Analytical thinking
-knowledge of techniques and tools that promote effective analysis and ability to determine the root cause and create alternative solutions to resolve the problem.

* Credit Risk-knowledge of processes, tools and techniques used to determine the degree of credit risk in a transaction or customer relationship; ability to assess, rate and manage exposure to credit risk.

* Ability to work independently, make recommendations, advise on deal discussions with recommendations of alternative structures, challenge business when appropriate to maintain risk appetite

* Understand financial analysis, industry trends, deal structures, PNC's credit risk appetite and applying PNC policy

* Portfolio Management-Knowledge of and ability to create, implement and evaluate and enhance risk management policy and procedures, working closely with AMG partners.

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

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

* Analyzes the extension of credit, including overdrafts, for clients of high complexity within prescribed approval authorities. Has final approval authority on an obligor's risk rating.

* Analyzes credit facility structure and underwriting process within the context of credit policies. Supports scorecard related validation, testing and maintenance activities.

* Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to help determine decision-making.

* Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends. Maintains knowledge of economic, regulatory and other trends affecting borrowers and helps incorporate this information into the assessment of the borrowers.

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.

Qualifications

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.

Preferred Skills

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

Competencies

Conflict Management, Credit Analysis and Verification, Credit Risk, Decision Making and Critical Thinking,…