Field Exam Analyst - Business Credit

Position Overview At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are united in delivering the best experience for our customers and fostering an inclusive workplace culture where all employees feel respected, valued, and have an opportunity to contribute to the company's success. As a Field Exam Analyst within PNC's Business Credit organization, you will be based in one of the following locations: Atlanta, GA; Chicago, IL; Dallas, TX; Los Angeles, CA; New York, NY; Philadelphia, PA; or Pittsburgh, PA. Job Profile As a Field Exam Analyst, you will evaluate borrowers' financial records, collateral, and operational processes to help assess risk. You will prepare reports of findings and provide recommendations that support sound credit decisions. This position requires regular time in the field, including on‑site client examinations, and will involve overnight travel on a recurring basis. Preferred Skills & Experience A minimum of 1+ years of Asset Based Lending (ABL) Field Exam experience Familiarity with corporate accounting through coursework and/or job experience Advanced Excel skills Job Description Leads less complex Field Examinations on existing and prospective borrowers and assists on Field Examinations led by other examiners. Examinations can take place fully onsite at borrower locations or in a hybrid on‑site/remote environment. Performs independent analysis on existing borrower collateral records and financial reports to determine/assess collateral values that secure loans and to identify and highlight areas of collateral weakness or deterioration. Evaluates accounting system controls, data integrity, managerial control oversight, and borrowers accounting personnel. Prepares Field Examination reports and supporting workpapers that highlight germane findings, material variances, conclusions reached, and related recommendations for improvement if necessary. Such reports are utilized by Portfolio Management to confirm the credit worthiness of the collateral securing the loan and to make informed credit decisions. Communicates and escalates significant exam findings, concerns, delays, or borrower limitations to lending and credit personnel. Makes recommendations as it relates to the collateral supporting the loan and/or issues and concerns that are raised during the Field Exam due diligence process. Participates in meetings with the Relationship Manager and/or existing borrower representatives (typically the CFO, CEO, and/or Controller of the company) to discuss any collateral issues/areas of concern. Confirms proper reporting of collateral on the Borrowing Base Certificates. Ensures that the Borrowing Base is in‑compliance and being managed per the terms and conditions stipulated in the loan approval. When leading an Examination, manages the due diligence process and directs the daily progress of field work performed by the other Field Examiners assigned to the Examination to ensure all assignments and duties are completed in an accurate and timely manner. 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 to create 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 University or college degree required; Credible combination of education, job‑specific certification(s), and experience (including military service) may be considered in lieu of a degree. Preferred Skills Budget Management Business Administration Corporate Finance Credit Decisions Financial Accounting Financial Management Financial Operations Investment Strategies Legal Operations Competencies Accuracy and Attention to Detail Collateral Management Conflict Management Data Gathering and Reporting Effective Communications Financial Statement Analysis Flexibility and Adaptability Generally Accepted Accounting Principles (GAAP) Managing Multiple Priorities Problem Solving Education Bachelor's degree required. Certifications No required certifications. Licenses No required licenses. Pay Transparency Base Salary: $37,000.00 – $102,000.00. Salaries may vary based on geographic location, market data, and on individual skills, experience, and education. This role is incentive eligible with payment based upon company, business, and/or individual performance. Application Window Generally, this opening is expected to be posted for two business days from 02/20/2026, although it may be longer with business discretion. 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; backup child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. Paid time off includes maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year unless otherwise required by law; and 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 at View email address on click.appcast.io. 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 email body. 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 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