Credit Risk Review Advisor - Commercial Lending

PNC Financial Services Group, Inc.; Pittsburgh (Allegheny County); On-site; USD 88,000 - 203,000; Full time

Benefits offered by this job

Health insurance

Dental and vision coverage

401(k) with company match

Paid holidays

Job summary

PNC seeks a Credit Risk Review Advisor to join Independent Risk Management. Based in multiple U.S. locations, you will assess moderately complex commercial credits, validate risk ratings, and provide insights to strengthen credit risk practices.

Role emphasizes understanding of credit cycles, policy compliance, and collaboration with partners to improve risk management. Requires 5+ years in credit risk/underwriting.

Qualifications

• 5+ years of Credit Risk/Credit Underwriting preferred, with experience in Commercial & Industrial, CRE, Corporate Banking, Leverage Lending, Middle Market, etc.
• Strong verbal and written communication skills for stakeholder conversations.
• Understanding of credit cycles and how economic indicators affect risk metrics.

Responsibilities

• Executes file review assessment on moderately complex credit and related transactions per credit policies.
• Validates scorecard risk ratings and borrower credit administration; identifies portfolio issues and trends.
• Prepares work papers and documentation; communicates exam findings with the business with minimal guidance.
• Shows robust understanding of credit cycle and uses industry/economic research tools in reviews.

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 Degree

Job description

Job Profile

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 Credit Risk Review Advisor within PNC's Independent Risk Management organization, you will be based in Pittsburgh PA, Cleveland OH, Philadelphia PA, Birmingham AL, Charlotte, NC, Wilmington, DE, New York City, or Raleigh NC.

The primary objective of Credit Risk Review (CRR) is to conduct timely and independent assessments of PNC's credit exposures and credit risk. Results from CRR's assessments are provided to senior management and PNC's Risk Committee of the Board of Directors. As CRR Advisor you will join a highly skilled team providing independent assessments of PNC's Commercial credit exposures. You will independently assess sampled borrowers of moderate complexity, evaluating risk rating accuracy, underwriting quality, ongoing monitoring, and policy compliance; identifying emerging risks and trends; and producing well supported documentation and recommendations in collaboration with internal partners to uphold the integrity and continuous improvement of the Credit Risk Review function. Your understanding of sound Commercial lending and credit risk practices will enable you to provide valuable insights and recommendations to drive effective credit risk management practices.

Preferred Qualifications

• Robust credit knowledge and strong experience related to Commercial credit extension and management.
• 5+ years of Credit Risk/Credit Underwriting preferred, specifically dealing with larger, more complex transactions in Commercial & Industrial, CRE, Corporate Banking, Leverage Lending, Middle Market, etc.
• Strong verbal and written communication, in addition to ability to handle difficult conversations, are critical to effectively communicate with stakeholders.

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

• Executes file review assessment on moderately complex credit and credit related transactions, including credit facility structures and underwriting processes, within the context of credit policies and procedures.
• Understands inherent risk and the materiality of risk for credit transactions. Validates scorecard risk ratings, and borrower credit administration. Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively.
• Completes work papers, supporting documentation, has awareness of relevant issues, and follows up on exam findings with the business with minimal guidance. Effectively communicates credit risk reviews plans and objectives for reviews.
• Robust understanding of the credit cycle and economic indicators' impact on key driving metrics. Demonstrates significant knowledge of where and how to leverage industry/economic research tools into the review.

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

Analytical Thinking, Conflict Management, Credit Risk, Effective Communications, Loan Review, Organizational Governance, Regulatory Environment - Financial Services

Work Experience

Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. 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: $87,500.00 - $202,800.00

Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Application Window

Generally, this opening is expected to be posted for two business days from 06/30/2026, 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; 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 [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.