Commercial Credit Expert - Real Estate Banking

PNC; Pittsburgh (Allegheny County); On-site; USD 133,000 - 296,000; Full time

Job summary

PNC is seeking a Commercial Credit Expert within its Real Estate Banking organization, based in Pittsburgh, PA / Atlanta, GA / Boca Raton, FL / Cleveland, OH / Chicago, IL / Dallas, TX.

This role focuses on risk management oversight for large institutional commercial real estate clients across markets, with collaboration across relationship managers and underwriters to structure loans in line with PNC's risk appetite.

Qualifications

• 8+ years of underwriting or credit experience.
• Bachelor's degree or higher.
• Experience with credit risk and portfolio analysis.

Responsibilities

• Oversee risk management for large institutional CRE clients in the assigned market(s).
• Communicate issues clearly to colleagues to ensure appropriate risk profile of loan portfolio.
• Elevate issues and/or questions to manager and/or other colleagues as appropriate.

Skills

Analytical Thinking

Commercial Real Estate

Competitive Advantages

Consumer Lending

Credit Risk Management

Data Analytics

Decision Making

Financial Operations

Portfolio Risk

Risk Appetite

Education

Bachelor's

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 Commercial Credit Expert within PNC's Real Estate Banking organization, you will be based in Pittsburgh, PA / Atlanta, GA / Boca Raton, FL / Cleveland, OH / Chicago, IL / Dallas, TX.

Job Responsibilities

• Risk management oversight responsibility for large institutional commercial real estate clients within the assigned market(s).
• Communicate issues in clear, concise manner to colleagues to ensure appropriate risk profile of loan portfolio.
• Elevate issues and/or questions to manager and/or other colleagues as appropriate.

Preferred Qualifications

• 8+ years of underwriting or credit experience, including previous client relationship and documenting deals.
• Experienced commercial real estate finance professional who will identify, analyze, and mitigate risks of large transactions in markets across the country.
• Ability to communicate with relationship mangers, underwriters and service partners to determine appropriate loan structure consistent with PNC's risk appetite and client development goals.
• Flexibility to occasionally travel to other markets for site visits and in-person interaction with colleagues, clients, and prospects.
• Client relationship management experience as well as having experienced a full economic cycle a plus.

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

Analyzes 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.

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

Analytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk Appetite

Competencies

Conflict 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 Procedures

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)

Language Assessments

No Required or Preferred Language Assessments

Pay Transparency

Base Salary: $133,000.00 - $296,400.00

Salaries may vary based on geographic location, market data and on individual skills, experienc