Commercial Credit Expert - Real Estate Banking

About the role

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 within PNC's Real Estate Banking organization, you will be based in Pittsburgh, PA / Atlanta, GA / Boca Raton, FL / Cleveland, OH / Chicago, IL / Dallas, TX. 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.

Responsibilities

• Risk management oversight responsibility for large institutional commercial real estate clients within the assigned market(s).
• Communicate issues in clear, concise manner to colleagues to ensure appropriate risk profile of loan portfolio.
• Elevate issues and/or questions to manager and/or other colleagues as appropriate.

Requirements

• 8+ years of underwriting or credit experience, including previous client relationship and documenting deals.
• Experienced commercial real estate finance professional who will identify, analyze, and mitigate risks of large transactions in markets across the country.
• Ability to communicate with relationship managers, underwriters and service partners to determine appropriate loan structure consistent with PNC's risk appetite and client development goals.
• Flexibility to occasionally travel to other markets for site visits and in-person interaction with colleagues, clients, and prospects.
• Client relationship management experience as well as having experienced a full economic cycle a plus.

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.

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
• Compet