Portfolio Analytics & Strategy Specialist - Credit Portfolio Management

Role Overview

Responsible for developing subject matter expertise for your assigned industries. Perform research, analytics and assessment of risks stemming from assigned industries that may impact PNC's Commercial & Industrial portfolio. Responsible for developing risk management and grow strategies based around commercial risk/return metrics. Collaborate with cross-functional teams, including credit risk management, finance, operations, and model development, to ensure alignment and execution of strategic initiatives. This position primarily supports PNC's C&IB business in the first line as well as credit partners in the second line.

Responsibilities

• Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes.
• Responsible for running complex business performance, risk and operational analytics. May include the development of analytical methods/models to assess market, credit and/or operational risk of new and existing financial products.
• Leverages business / product expertise to rigorously analyze large datasets, improve risk adjusted returns, deliver profitable growth, and communicate conclusions.
• Synthesizes analytical results and develops, recommends, and implements business strategies that improve lending decisions, assist in managing risk, increase revenues, reduce exposure to losses, meet business goals, and improve performance. Establishes baselines for strategies and tracks actual performance to expectations.
• Applies predictive models, third party data, and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk.
• Manages engagements with internal and external information suppliers ensuring solution is fit for purpose while maintaining appropriate governance and oversight.
• Works with business, credit, data, and model development partners to design, develop, and monitor test designs and analytical reporting to track and enhance strategies. Designs / enhances standard reporting suites for regular product / portfolio reviews.
• Collaborates with the line of business, Finance, and Risk partners to assess and establish credit risk appetite and to understand its implications, as well as to establish policies and procedures governing the identification, monitoring, and management of risk appetite.

Preferred Skills and Experience

• Experience with distilling complex data and feedback into concise standalone presentations
• Experience manipulating data and performing analysis in Tableau and Excel
• Proficiency in data analytics tools including Python (PySpark) and SQL
• Understanding of the fundamentals of commercial banking and banking products
• Able to demonstrate thought leadership and strategic thinking for decision making
• Skill in exercising initiative and using good judgment to make sound decisions
• Skill to influence, negotiate, and persuade partners to reach agreeable exchanges and positive outcomes

Qualifications

• University / college degree, with 5+ years of industry-relevant experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
• Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role.

Competencies

• Analytical Approach
• Banking Products
• Big Data Management and Analytics
• Business Analytics
• Credit Risk
• Mathematics of Financial Instruments
• Operational Risk
• Performance Measurement
• Predictive Analytics
• Pricing Models and Analytics
• Regulatory Environment - Financial Services
• Risk Management Banking

Pay

Base Salary: $100,100.00 – $185,900.00. Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Benefits

PNC offers a comprehensive range of benefits to help 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

In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level and years of service.

This response is AI-generated, for reference only.