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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expert knowledge of credit policies and procedures, along with strong analytical skills to assess credit risk and manage portfolios effectively. Capable of communicating complex credit risk review outcomes and recommendations while overseeing review activities and ensuring alignment with risk management frameworks.
Highest-signal resume keywords
Credit Risk ManagementAnalytical ThinkingPortfolio Risk AnalysisCredit Policies and ProceduresCommercial Real Estate
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Data AnalyticsCredit Risk AssessmentFile Review AssessmentIssue TrackingRisk Materiality AnalysisCredit Facility StructuresUnderwriting ProcessesTrend AnalysisReview Report DraftingRisk Concentration Identification
Soft Skills
CommunicationPlanning and OrganizingOrganizational Governance
Tools & Technologies
Industry/Economic Research Tools
Industry Keywords
Financial ServicesCredit CycleConsumer LendingRegulatory EnvironmentRisk Appetite
About the role
Key responsibilities & impact- Execute file review assessments on complex credit and credit-related transactions, including credit facility structures and underwriting processes
- Understand inherent risk and risk materiality for credit transactions
- Validate scorecard risk ratings and borrower credit administration
- Analyze portfolio issues, trends, and root causes to manage credit portfolios effectively
- Independently complete work papers, issue tracking, and supporting documentation
- Follow up on exam findings with business leaders
- Act as a Second Level Reviewer
- Communicate credit risk review objectives, outcomes, and recommendations for issue remediation
- Analyze risk in assigned credit portfolios using relevant reporting and trend assessments
- Provide expert analytical insight and identify risk concentrations, systemic trends, and issues
- Participate in continuous monitoring for assigned portfolios
- Oversee reviewers’ file review activities as Reviewer in Charge for assigned business segments
- Assess file review results and findings to determine final ratings and draft review reports
- Serve as an expert resource to the team
- Manage risks associated with business objectives and activities in alignment with PNC’s Enterprise Risk Management Framework
Requirements
What you’ll need- University/college degree typically required for roles at this level; Education listed as Bachelors
- Typically 8+ years of industry-relevant experience
- Comparable combination of education, job-specific certification(s), and experience, including military service, may be considered in lieu of a degree
- Expert knowledge of credit policies and procedures
- Expert understanding of the credit cycle and economic indicators’ impact on key driving metrics
- Knowledge of industry/economic research tools
- Knowledge and skills in analytical thinking, commercial real estate, consumer lending, credit risk management, data analytics, portfolio risk, and risk appetite
- Competencies in business data analysis, credit risk, loan review, regulatory environment in financial services, planning and organizing, and organizational governance
- No required certifications
- No required licenses
- No required or preferred language assessments
- Must not require employment visa sponsorship; PNC will not participate in STEM OPT for this position
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, unless otherwise required by law
- 15 to 25 vacation days each year, depending on career level and years of service