Relationship Manager II - C&IB

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. This role is based in Erie, PA. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

About the role

Coordinates relationship management activities with new and/or existing clients in a book of business to grow sales, revenue, and market share with relevant sales goals. Typically works with clients with moderate levels of risk and complexity of needs. Generally works with a moderate degree of supervision.

Works within stated guidelines to acquire and/or expand and retain client relationships to generate revenue and deepen share of wallet. Handles the origination, financial analysis, negotiation, and documentation of credit and non-credit products and services. Manages risk/return and drives quality for new and/or existing clients. Actively identifies and mitigates different types of risk, such as regulatory, reputational, operational, and credit risks.

Focuses on client opportunities by providing ideas and insights based on an understanding of the client's needs and their financial well-being. Focuses on increasing client engagement and loyalty. Manages an effective network of internal and external relationships, such as community or industry relationships, to actively acquire new clients and/or expand existing clients and enhance the client experience. Focuses on bringing the entire bank to the client by presenting the full range of PNC's products and services. Leverages reporting and sales tools to proactively identify and successfully convert sales opportunities.

Demonstrates ability to analyze, evaluate, and mitigate credit risk for more complex credit requests by utilizing knowledge of advanced credit fundamentals and internal credit policies.

PNC employees take pride in our reputation and are expected to be customer-focused, knowledgeable of 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. Employees are also expected to assess and effectively manage all risks associated with their business objectives and activities to ensure adherence to PNC's Enterprise Risk Management Framework.

Responsibilities

• Acquire and/or expand and retain client relationships to generate revenue and deepen share of wallet.
• Originate, analyze, negotiate, and document credit and non-credit products and services.
• Manage risk/return and drive quality for new and/or existing clients.
• Identify and mitigate regulatory, reputational, operational, and credit risks.
• Provide ideas and insights based on client needs and financial well-being to increase engagement and loyalty.
• Build and maintain an effective network of internal and external relationships to acquire new clients and enhance the client experience.
• Present the full range of PNC's products and services to clients.
• Leverage reporting and sales tools to proactively identify and convert sales opportunities.
• Analyze, evaluate, and mitigate credit risk for complex credit requests using advanced credit fundamentals and internal credit policies.

Requirements

• Bachelor’s degree or a comparable combination of education, job-specific certification(s), and experience (including military service).
• Typically requires 5+ years of industry-relevant experience.
• Demonstrated skills in book of business management, client relationship building, credit processes, credit products, customer engagement, decision-making, financial analysis, and identifying sales opportunities.
• Competencies in business acumen, client relationship management, customer experience management, decision-making and critical thinking, effective communications, prospecting, selling, and tech savviness.

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.
• Paid time off, including:
• 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.

Part-time employees may also be eligible for certain benefits. To learn more, visit pncthrive.com.