Credit Product Manager

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 Product Manager within PNC’s Regional Credit Products Group organization, you will be based in Tampa, FL. 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. Responsibilities Serves as a market level credit product expert and manages a team within Credit Products. Structures and advises clients on types of credit and credit‑related transactions to meet clients’ needs while staying within the Bank’s risk profile. Responsible for the entire execution of credit‑related products, including ACH, FX, EF and derivatives. Manages the diligence/approval process and negotiates all legal documents and closing. Partners effectively with the Relationship Banking team to help identify and drive revenue through credit products. Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and ongoing communication with the clients. Collaborates with RMs and other product partners (e.g., TM, FX, DCM) to assess credit needs, generate ideas and deliver integrated solutions. Assesses industry dynamics to advise on the best solutions. Participates in client and prospect calls in conjunction with the Relationship Managers. Responsible for structuring credit transactions within the bank’s credit risk appetite. Leads the team through internal white boarding and diligence sessions to assess viable solutions. Drives the internal credit approval process, loan documentation and closing. Manages a team of employees to handle all aspects of the credit process. Plays a key role in training, mentoring and developing junior talent. Employee Expectations 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. Fundamental Expectations for Management Include Intentionally – Cultivates diverse teams and inclusive workplaces to expand thinking. Live the Values – Role models our values with transparency and courage. Enable Change – Takes action to drive change and innovation that will transform our business. Achieve Results – Takes personal ownership to deliver results. Empowers and trusts others in decision making. Develop the Best – Raises the bar with every talent decision and guides the achievement of all employees and customers. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licenses 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 Client Relationship Management Credit Analysis and Verification Decision Making and Critical ThinkingFinancial Analysis Knowledge of Underwriting Negotiating Portfolio Management Work Experience Roles at this level typically require a university/college degree. Higher level education such as a master’s degree, PhD, or certifications is desirable. Industry experience is typically 8+ years. At least 5 years of prior management experience is typically 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) 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. Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email or phone. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. 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. 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. California Residents 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. #J-18808-Ljbffr PNC