Commercial Credit Officer

Commercial Credit ExpertAt 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 Commercial Credit Expert, you will be within PNC's Independent Risk Management organization, supporting the Central Credit Products Group (CCPG). In addition to the job description below, qualified candidates will have 8+ years of commercial credit experience and be expected to interpret PNC's Credit Policies and Procedures, including those pertaining to Risk Rating. Knowledge of the Commercial line of business is necessary, and subject matter expertise on the various areas of lending within the Commercial bank, including an understanding of the credit process from beginning to end, is preferred.PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.Job DescriptionAnalyzes activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.Analyzes the extension of credit, including overdrafts, for clients of high complexity within prescribed approval authorities. Has final approval authority on an obligor's risk rating.Analyzes credit facility structure and underwriting process within the context of credit policies. Supports scorecard related validation, testing and maintenance activities.Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to help determine decision-making.Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends. Maintains knowledge of economic, regulatory and other trends affecting borrowers and helps incorporate this information into the assessment of the borrowers.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.Preferred SkillsAnalytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk AppetiteCompetenciesConflict Management, Credit Analysis and Verification, Credit Risk, Decision Making and Critical Thinking, Financial Statement Analysis, Portfolio Management - 1, Products and Services, Risk Management Policies and ProceduresWork ExperienceRoles 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.EducationBachelorsCertificationsNo Required Certification(s)LicensesNo Required License(s)Language AssessmentsNo Required or Preferred Language Assessments