Relationship Manager III - Technology Finance Group (Business Credit)

PNC; Los Angeles (CA); On-site; USD 146,000 - 296,000; Full time

Benefits offered by this job

Health Coverage

401(k) with match

Stock Purchase Plans

Education Assistance

Job summary

PNC is seeking a Relationship Manager III within its Technology Finance Group to manage relationships with Private Equity-backed software clients in the middle market. The role focuses on ARR-based lending, risk management, and revenue growth across sophisticated clients.

Based in select US cities, the position emphasizes covenant terms, amendments, and coordinating with sponsors, borrowers, and counsel. PNC offers competitive benefits and a collaborative in-office culture.

Qualifications

• Bachelor's degree required or higher.
• Experience in technology lending and ARR-based loans.
• Familiar with credit agreements and loan documents.

Responsibilities

• Sets relationship strategies and directs relationship management with existing clients to ensure retention and risk management.
• Originate, negotiate and document credit and non-credit products with high complexity.
• Analyze credit, collateral strength and financial worthiness of loan/transaction parties; manage risk/return.
• Expand and retain client relationships to generate revenue and deepen share of wallet.

Skills

Book Of Business

Client Relationships

Credit Processes

Credit Products

Customer Engagement

Decision Making

Financial Analysis

Identifying Sales Opportunities

Technology Finance

Attention to Detail

Business Acumen

Collateral Management

Credit Analysis

Customer Experience

Effective Communications

Financial Engineering

Regulatory Environment

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 Relationship Manager III within PNC's Technology Finance Group (Business Credit) organization, you will be based in either Los Angeles, CA: San Francisco, CA; New York, NY; Chicago, IL; Raleigh, NC; or Boston, MA. The Technology Finance Group works predominately with Private Equity-backed software companies in the middle market, an industry expected to grow rapidly for years to come. The Relationship Manager III's primary responsibilities will be to work with our clients to ensure performance, client retention, and risk management in a fast-paced and exciting environment. The ideal candidate brings experience in technology lending, including structuring and managing ARR-based loans for Enterprise Software companies, with a strong understanding of recurring revenue business models and growth-stage credit underwriting. In addition, the ideal candidate is familiar with credit agreements and related loan documents, and is comfortable negotiating amendments, including covenant and structural terms, with sponsors, borrowers, and outside counsel. 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 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

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

Education

Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Language Assessments No Required or Preferred Language Assessments

Pay Transparency

Base Salary: $146,300.00 – $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.

Application Window

Generally, this opening is expected to be posted for two business days from 10/28/2026, 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.

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.