PNC Consumer Credit Expert - AMG 

United States, Pennsylvania, Pittsburgh 

656247661

This role is 2LOD credit risk oversight of AMG. Primary responsibilities for the role entail oversight of AMG portfolio including monitoring the portfolio, observing performance, reporting on trends, understanding clients, and expanding client opportunities with the sales and underwriting teams, as well as participating in whiteboards meetings and prescreens.Preferred Experience:
• 8+ years of Commercial Underwriting/Credit risk working with transactions
• Experience working with PNC Policy & Procedure
• AMG/Wealth Management experience required
• Analytical thinking -knowledge of techniques and tools that promote effective analysis and ability to determine the root cause and create alternative solutions to resolve the problem.
• Credit Risk-knowledge of processes, tools and techniques used to determine the degree of credit risk in a transaction or customer relationship; ability to assess, rate and manage exposure to credit risk.
• Ability to work independently, make recommendations, and collaborate across all line of AMG business, including Residential mortgage and Commercial loans.• Portfolio Management-Knowledge of and ability to create, implement and evaluate and enhance risk management policy and procedures, working closely with AMG partners.Additional Job Responsibilities:
• Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
• Maintains in depth knowledge of consumer and commercial credit policy and ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
• Follows and recognizes economic, regulatory and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners and discussions to determine potential impacts on policy. Ensures work set is completed and that the right conversations are taking place to execute deliverables.This position is primarily based in a PNC location. Preferred locations are listed on the posting. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager’s discretion.
Job Description

• Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
• Maintains in depth knowledge of consumer credit policy and ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
• Monitors credit by leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics from APM, oversees follow-up, and analyzes output to inform decision - making.
• Manages and updates credit transaction models utilized within defined asset class and activity and ensures adherence to model management processes (i.e., model validation, testing, maintenance) by ensuring the appropriate resources are in place to adhere to MRMG guidance.
• Follows and recognizes economic, regulatory, and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy. Reviews validation outputs on data produced and delivered; ensures that work set is completed and that the right conversations are taking place to execute deliverables.

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 requiredneeded to be successful in this position.

Analytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk AppetiteAnalytical Thinking, Credit Risk, Operational Functions, Portfolio Management - 1, Quantitative Techniques, Risk Management Policies and ProceduresRoles at this level typically require a university / college degree. Higher level education such as a Masters degree, or PhD is desirable. Industry 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.No Required Certification(s)No Required License(s)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; 8 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.

California Residents

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