C&IB Associate Relationship Manager

PNC Financial Services Group, Inc.; Austin (TX); On-site; USD 75,000 - 115,000; Full time

Benefits offered by this job

Medical coverage (HSA)

Dental & vision options

Life insurance

Disability protection

401(k) with match

Pension and stock purchase plans

Dependent care reimbursement

Backup caregiver support

Educational assistance

Wellness program

Job summary

PNC Financial Services Group, Inc. seeks an Associate Relationship Manager in Commercial Banking based in Austin, Texas. You will support underwriting, relationship management, and product solutions while working under supervision to manage risk and develop client revenue.

The role emphasizes building client trust, expanding share of wallet, and applying credit fundamentals within internal policies. This is an in-office position with a strong focus on collaboration and career development.

Qualifications

• University degree with 2+ years of relevant professional experience.
• In lieu of a degree, a comparable combination of education and experience may be considered.
• Experience in commercial banking is a plus.

Responsibilities

• Performs or assists in banking activities, including underwriting and/or relationship management.
• Works under supervision with limited approval authority.
• Identifies and mitigates risk (regulatory, reputational, operational, and credit).
• Manages risk and helps ensure quality for new or existing clients.
• Analyzes information to design and execute client solutions.
• Moves a transaction from proposal to close to drive fee income within relationships.
• Interacts with clients to expand relationships and deepen wallet share.
• Articulates product and servicing recommendations to customers.
• Participates in ongoing learning to strengthen credit and sales skills.

Skills

Client relationship building

Credit processes

Credit products

Financial analysis

Decision making

Identifying sales opportunities

Book of business

Customer engagement

Education

Bachelor's degree

Job description

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(n) C&IB Associate Relationship Manager within PNC's Commercial Banking organization, you will be based in Austin, TX. 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 Description

• Performs or assists in banking activities, including underwriting and/or relationship management and/or product suite activities.
• Works under supervision and may have limited approval and/or exception authority.
• Identifies and appropriately mitigates different types of risk, such as regulatory, reputational, operational and credit.
• Manages risk and may help ensure quality for new and/or existing clients.
• May assist in the preparation of offerings and/or scorecards.
• Analyzes information and applies critical thinking skills to design and/or execute client solutions.
• This may include taking a transaction from request to booking and/or moving a selling conversation from proposal to closed business, inclusive of driving fee income through internal and/or external relationship management.
• Identifies and/or considers key factors in the decision-making process, such as internal policies/procedures, external regulatory requirements and clients' needs.
• Interacts with internal/external clients to gather or clarify information and/or expand existing client relationships to develop skills needed to independently generate revenue and deepen share of wallet.
• Articulates recommendations to customers in response to client servicing and product-related inquiries.
• As defined with the business, demonstrates ability to analyze, evaluate and mitigate credit risk by utilizing knowledge of credit fundamentals and internal credit policies.
• Participates in social learning, for example, identifies and networks with business representatives and peers and participates in mentoring, job shadowing and community outreach, to ensure appropriate foundations in credit, product and sales.
• May participate in formal learning recommended by the business to develop the skills needed to analyze, evaluate and mitigate credit risk by utilizing knowledge of credit fundamentals and internal credit policies.

Corporate 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.

Preferred Skills

• Book Of Business
• Client Relationship Building
• Credit Processes
• Credit Products
• Customer Engagement
• Decision Making
• Financial Analysis
• Identifying Sales Opportunities

Competencies

• Accuracy and Attention to Detail
• Business Acumen
• Credit Analysis and Verification
• Customer Experience Management
• Decision Making and Critical Thinking
• Effective Communications
• Flexibility and Adaptability
• Industry Knowledge
• Managing Multiple Priorities

Qualifications

Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. 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)

Language Assessments No Required or Preferred Language Assessments

Benefits

• 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

Additionally, 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 at [e-mail]. 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 877-968-7762 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. 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.

About PNC

For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. Being a great place to work means we are making a lasting difference for everyone we serve. Check out the top reasons to join PNC. PNC’s total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page.