Business Development Officer IV - Business Credit

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 Business Development Officer IV within PNC's Business Credit organization, you will be based in Downers Grove, IL, Troy, Grand Rapids, or Lansing, MI and will lead business development efforts across Michigan. Job Profile

R227069

Candidates for this role should have a minimum of five years of banking experience, with a strong background in Middle Market, Asset-Based Lending (ABL), Investment Banking, Restructuring, Consulting, or Private Credit. This role requires demonstrated success in originating and structuring complex credit transactions, as well as building and maintaining referral networks. The position offers broad visibility with senior leadership and the opportunity to influence team processes and culture. A strong preference is given to candidates with established networks in Michigan. Key Responsibilities Source, structure, and close credit-based financings, including ABL, private credit, cash flow revolvers, Term Loan A, software/ARR lending, broadly syndicated loans (BSL), and other senior secured products across Michigan. Develop and maintain a robust prospect pipeline of middle market and large-cap companies headquartered in Michigan. Build and expand sponsor relationships across the region. Analyze and qualify new deal opportunities, assess strategic and credit fit, and recommend pursuit decisions. Prepare and present screening materials, credit analyses, and term sheet recommendations to senior leadership. Deliver, pitch, and negotiate term sheets; lead negotiations of commercial and legal terms. Manage due diligence workstreams across underwriting, legal, and syndication functions. Maintain market intelligence on sponsor activity, M&A trends, industry developments, and competitive dynamics. Represent PNC Business Credit at sponsor meetings, conferences, and industry events. Manage pipeline and activity tracking within the CRM platform. Prospect, develop, and leverage a highly engaged network of sponsors, financial intermediaries, business owners, accountants, attorneys, banks, and other centers of influence. Job Description Leads business development activities for credit-based products through active solicitation and cultivation of highly complex client relationships. Leverages a highly developed network within assigned market area. Works independently and may mentor other team members. Prospects, maintains and leverages a highly developed network. This includes dialogues with sponsor groups, financial intermediaries, businesses, accountants, attorneys, banks, and additional Centers of Influence. Performs complex credit structuring and analyzes financial information to determine if the client's financing requirements meet PNC parameters. Manages risk/return and actively identifies and mitigates different types of risk for new clients, such as regulatory, reputational, operational, and credit risks. Develops comprehensive financing package structured to meet client needs, drive client acceptance and deepen share of wallet. Coordinates credit underwriting, due diligence and loan documentation with internal and external partners. 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 Account Management, Asset Allocation, Capital Management, Credit Risk Analysis, Equity Valuations, Investment Banking, Sales Competencies Competitive Environment, Credit Analysis and Verification, Customer Experience Management, Effective Communications, Financial Engineering, Knowledge of Underwriting, Prospecting, Selling. Work Experience 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. Education Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Pay Transparency Base Salary: $154,000.00 – $286,000.00 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. To learn more about these and other programs, including benefits for full‑time and part‑time employees, visit pncthrive.com. Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email at View email address on click.appcast.io. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call View phone number on click.appcast.io and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. 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