Loan Credit Workout Analyst – Retail Bank Operations

PNC

. Review customers' income and expenses .

Posted 9/17/2026full-timeMiamisburg • Ohio • United StatesMid-LevelSenior💰 $33,750 - $67,500 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit underwriting, loss mitigation, and mortgage collections, with a strong focus on accuracy and attention to detail. Proficient in utilizing decisioning tools and regulatory guidelines to assess customer qualifications and provide effective solutions.

Highest-signal resume keywords

Credit UnderwritingLoss MitigationMortgage CollectionsMSP Decisioning ToolsRegulatory Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisIncome CalculationExpense CalculationRisk AssessmentInformation Collection

Soft Skills

Attention to DetailEffective CommunicationConflict ManagementProblem SolvingFlexibility

Tools & Technologies

MSPLSSSMDUFHLMC ResolveFNMA LMS

Certifications & Qualifications

Associates DegreeJob-Specific Certifications

Industry Keywords

Financial ServicesMortgage Default DocumentationCredit ProcessesCustomer SolutionsProduct Management

About the role

Key responsibilities & impact

Review customers' income and expenses
Determine the legitimacy of hardship and available workout options based on bank and investor guidelines
Assess customer qualifications to facilitate appropriate action and minimize loss to the bank
Review bank, investor, and regulatory guidelines to service accounts according to policy
Provide workout alternatives
Work with internal business partners to gather information and clarify inconsistent, incorrect, or missing information
Monitor assigned work queues and workflows to ensure goals are met
Use online systems to accurately document customer account information

Requirements

What you’ll need

Associates or equivalent degree, or comparable combination of education, job-specific certification(s), and experience
Typically requires 3+ years of experience
Attention to detail
Experience with MSP, LSS, SMDU, FHLMC Resolve, and/or FNMA LMS/SMDU decisioning tools
Experience in credit underwriting, including calculating income and expenses, strongly preferred
Experience in loss mitigation or mortgage default documentation
Experience in mortgage collections
Knowledge of credit processes, customer solutions, information collection, product management, and risk assessments
Accuracy and attention to detail
Conflict management
Credit analysis and verification
Effective communications
Flexibility and adaptability
Knowledge of product line
Managing multiple priorities
Problem solving
Knowledge of the regulatory environment in financial services
Must be able to work Monday–Friday, 8:00 a.m.–5:00 p.m. ET
Must be eligible to work without employment visa sponsorship or STEM OPT

Benefits

Comp & perks

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 plan
Stock purchase plan
Dependent care reimbursement account
Back-up child/elder care
Adoption, surrogacy, and doula reimbursement
Educational assistance, including select programs fully paid
Robust wellness program with financial incentives
Maternity and/or parental leave
Up to 11 paid holidays each year
9 occasional absence days each year
15 to 25 vacation days each year, depending on career level
Remote work in select geographic locations, subject to approval
Quiet, secure, and confidential home-based workspace for approved remote work