Relationship Manager III - Business Credit

PNC; Pasadena (CA); Sur place; USD 160 000 - 296 000; Plein temps

Avantages offerts par ce poste

Health insurance

401(k) and stock plans

Paid holidays

Résumé du poste

PNC in Pasadena, CA seeks a Relationship Manager III to manage complex client portfolios in asset-based lending. You will set relationship strategies, oversee risk, and drive revenue growth with senior clients.

This in-office role requires 4+ years in asset-based or collateral-based lending, a strong credit and collateral assessment background, and the ability to coordinate with internal partners to deliver full bank solutions.

Qualifications

• Roles at this level typically require a university / college degree.
• Industry relevant 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 may be considered.

Responsabilités

• Sets relationship strategies and directs relationship management activities with existing clients to ensure retention, risk management and revenue growth.
• Independently handles origination, negotiation and documentation of credit and non-credit products with high complexity.
• Prepares approval documents, analyzes credit, collateral strength, and financial worthiness of loan/transaction parties.
• Manages risk/return and drives quality for existing clients, mitigating various risks.

Connaissances

Asset-Based Loans (ABL)

Book Of Business

Client Relationship Building

Credit Processes

Credit Products

Customer Engagement

Decision Making

Financial Analysis

Identifying Sales Opportunities

Formation

Bachelor's degree

Description du poste

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 III within PNC's Business Credit organization, you will be based in Pasadena, CA. The ideal candidate for this Relationship Manager III role should have a minimum of 4+ years of asset-based or collateral-based lending experience. 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

Sets relationship strategies and directs relationship management activities with existing clients to ensure client retention, risk management and revenue growth. Typically works with clients with advanced levels of risk and complexity of needs. Works independently and may mentor other team members. Independently handles the origination, negotiation and documentation of credit and non-credit products and services with high levels of complexity. Prepares approval documents using independent judgment to identify risks and mitigants and analyze credit, collateral strength, and financial worthiness of loan/transaction parties. Manages risk/return and drives quality for existing clients, actively identifying and mitigating different types of risk, such as regulatory, reputational, operational and credit risks. Expands and retains client relationships to generate revenue and deepen share of wallet. Focuses on client retention strategies by providing ideas and insights based on an in-depth understanding of the client's needs and their financial well‑being. Focuses on increasing client engagement and loyalty. Leverages an established and effective network of internal and external relationships, such as community and industry relationships, to enhance the client experience. Focuses on bringing entire bank to the client by presenting the full range of PNC's products and services. With oversight as applicable, negotiates workout options with customers to reduce risks and losses. Works with internal and external business partners and borrowers to better secure collateral coverage.

PNC Employees Take Pride

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

• Asset-Based Loans (ABL)
• 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
• Collateral Management
• Credit Analysis and Verification
• Customer Experience Management.
• Effective Communications
• Financial Engineering
• Regulatory Environment - Financial Services

Work Experience

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant 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: $159,600.00 – $296,400.00 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.

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
• 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.

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.