Credit Risk Review Advisor Senior - Commercial Lending - PNC Bank : Job Details

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. We are looking to hire a Credit Risk Review Advisor Senior in Credit Risk Review within PNC's Independent Risk Management organization. The primary objective of Credit Risk Review (CRR) is to conduct timely and independent assessments of PNC's credit exposures and credit risk. Results from CRR's assessments are provided to senior management and PNC's Risk Committee of the Board of Directors. As a CRR Advisor Senior, you will join a highly skilled team providing independent assessments of PNC's Commercial credit exposures. You may have responsibility for being a Reviewer in Charge. The Reviewer in Charge is responsible for the successful completion of a review engagement, including managing Reviewers, performing credit portfolio analysis, summarizing the results stemming from the review of credit files sampled as part of a review engagement. Your deep understanding of sound Commercial lending and credit risk practices will enable you to provide valuable insights and recommendations to drive effective credit risk management practices.

Preferred Qualifications:

• The position requires robust credit knowledge and strong experience related to Commercial credit extension and management.
• 10+ years of Credit Risk/Credit Underwriting preferred, specifically dealing with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leverage Lending, Middle Market, etc.
• Strong verbal and written communication, in addition to the ability to handle difficult conversations, are critical to effectively communicate with stakeholders.

This position is primarily based in a location within PNC's footprint. Preferred locations are listed in this requisition and will be dependent on the experience and qualifications of the candidate, as well as the presence of other individuals within the broader Credit Risk organization. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager's discretion. Additional locations may be considered.

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.

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.

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
• Business Data Analysis
• Coaching Others
• Credit Risk
• Effective Communications
• Establishing and Maintaining Trust
• Influencing Through Expertise
• Loan Review
• Organizational Governance
• Planning and Organizing
• 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:

Bachelors

Certifications:

No Required Certification(s)

Licenses:

No Required License(s)