Relationship Manager II - Community Development Banking

PNC; Mechanicsburg (Cumberland County); On-site; USD 70,000 - 95,000; Full time

Job summary

PNC is seeking a Relationship Manager II to support its Community Development Banking team in Mechanicsburg, PA. You will originate community development loans and investments by engaging with not-for-profit, government and private entities, and collaborate with partners to deliver tailored financial solutions.

You will manage client relationships, assess needs, and present the full bank product suite while traveling to events and meetings to foster community impact and growth in lower-income

Qualifications

• Deep understanding of low- to moderate-income populations and communities.
• Experience in relationship management.
• Willingness to travel and participate in after-hours events.

Responsibilities

• Coordinate relationship management activities to grow client base and revenue within a portfolio.
• Originate and structure community development loans and investments.
• Assess credit risk and ensure compliance with internal policies.
• Leverage internal and external networks to bring in new clients and opportunities.
• Present the full suite of PNC products to clients to deepen share of wallet.

Skills

Relationship management

Client outreach

Sales

Credit analysis

Education

Formal Bank Credit Training

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 Relationship Manager II within PNC's Community Development organization, you will be based in Mechanicsburg, PA.

PNC's Community Development Banking is a team dedicated to improving low-to-moderate income neighborhoods and the quality of life for low- and moderate-income people. We focus on meeting community needs through community development loans, investments, financial education and other technical expertise. In this position, through extensive outreach in lower income communities you will originate community development loans and investments while inspiring service partners to get involved. PNC provides nontraditional capital for high-impact development projects and capital for reinvestment into local communities. If you are committed to building a better community, we respond with creativity and flexibility through various financing options to affordable housing developers, community development financial institutions (CDFIs), nonprofit organizations and social impact investment entities.

Examples of community development include affordable housing, funding for services that meet community needs, economic development projects that create or retain jobs for lower income people and neighborhood revitalization projects. We work with not-for profit and for-profit developers to address those needs.

Successful candidates will have a deep understanding of low-to-moderate income populations and communities and be able to create financial solutions that address their needs.

Preferred experience includes:

• Familiarity with sustainable loan principles
• Real Estate Lending
• Tax Credit Financing
• Commercial Lending
• Previous Relationship Management experience
• Formal Bank Credit Training preferred.
• Adaptable self-starter with book business and/or network of Centers of Influence (COI) relationships to generate loans and investments
• Ability to travel and participate in after hours events such as conferences, panels, roundtables and community outreach events.

Job Description

Coordinates relationship management activities with new and/or existing clients in a book of business to grow sales, revenue and market share with relevant sales goals. Typically works with clients with moderate levels of risk and complexity of needs. Generally works with a moderate degree of supervision.

Works within stated guidelines to acquire and/or expand and retain client relationships to generate revenue and deepen share of wallet. Handles the origination, financial analysis, negotiation and documentation of credit and non-credit products and services.

Manages risk/return and drives quality for new and/or existing clients. Actively identifies and mitigates different types of risk, such as regulatory, reputational, operational and credit risks.

Focuses on client opportunities by providing ideas and insights based on an understanding of the client's needs and their financial well-being. Focuses on increasing client engagement and loyalty.

Manages effective network of internal and external relationships, such as community or industry relationships, to actively acquire new clients and/or expand existing clients and enhance the client experience. Focuses on bringing entire bank to the client by presenting the full range of PNC's products and services. Leverages reporting and sales tools to proactively identify and successfully convert sales opportunities.

As defined with the business, demonstrates ability to analyze, evaluate and mitigate credit risk for more complex credit requests by utilizing knowledge of advanced credit fundamentals and internal credit policies.

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 ab