Credit Risk Review Advisor Senior – Commercial Lending

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 Credit Risk Review Advisor Senior within PNC’s Independent Risk Management organization, you will be based in Pittsburgh PA, Cleveland OH, Philadelphia PA, Birmingham AL or Raleigh NC.

Job Description

Executes file review assessment on complex credit and credit related transactions, including credit facility structures and underwriting processes, with an expert knowledge of credit policies and procedures. Understands inherent risk and the materiality of risk for credit transactions. Validates scorecard risk ratings, and borrower credit administration. Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively.

Independently completes work papers, issue tracking, supporting documentation, follows up on exam findings with business leaders, and acts as a Second Level Reviewer. Effectively communicates credit risk reviews objectives, outcomes and recommendations for issue remediation as needed.

Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends. Provides expert analytical insight and identifies risk concentrations, systemic trends, or issues. Participates in continuous monitoring for assigned portfolios.

Oversees file review activities of reviewers as Reviewer in Charge for assigned business segment(s). Perform assessment of file review results and findings to determine final ratings and drafting of review reports. Serves as an expert resource to the team.

Expert understanding of the credit cycle and economic indicators' impact on key driving metrics. Demonstrates expert knowledge of where and how to leverage industry/economic research tools into the review.

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

• Analytical Thinking
• Conflict Management
• Credit Risk
• Effective Communications
• Loan Review
• Organizational Governance
• Regulatory Environment – Financial Services

Work Experience

• 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

• Bachelor's Degree

Benefits

• PNC offers a comprehensive range of benefits to meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: 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, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say “Workday” for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

Equal Employment Opportunity (EEO)

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.