Consumer Credit Expert - AMG

Consumer Credit Expert 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 Consumer 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 2LOD 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 2LOD 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: - PNC Commercial Underwriting experience required - Experience working with PNC Policy & Procedure - Familiarity structuring credit deal transactions in a 2LOD role - Wealth Management experience may be preferred - 8+ years of industry experience required. 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 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. Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, or PhD is desirable. Industry 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. Base Salary: $100,000.00 – $261,950.00 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. 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. To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. 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. Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.