PNC Consumer Credit Specialist - Risk Oversight Team 

United States, Ohio, Cleveland 

271246185

Preferred Qualifications:
o 2+ years of experience in risk management, credit/underwriting, or economicso Proficiency with research, investigative, and challenge techniqueso Familiarity with technology, data inquiry, and data visualizationThis role is part of a high-performing team that supports each other and succeeds together. Our scope of work is broad and dynamic, providing excellent opportunity to build functional, behavioral, and technical proficiency in credit risk. Additional responsibilities exist to provide support across all credit verticals for ad hoc activities to investigate credit risk and support credible challenge.Job Responsibilities:• External: Daily monitoring and rapid socialization of external news, research, and events that may have credit risk implications to household financial health, credit team verticals, key industry and core market dynamics, and credit portfolio quality and performance.
• Internal: Continuous engagement with credit team verticals, their loan portfolios, business priorities, and other dynamic support to effectuate their credible challenge with the lines of business and other risk partners. Account-level review support is central to supporting credit teams and the investigation of emerging risk in portfolios.
• Connected Views: Synthesize the external and internal elements above to create a clear and compelling understanding of potential credit risks and trends, pathways of risk outcomes, specific lending ecosystem impacts, and the socialization of those storylines and recommendations to executive and business leadership.
• Output: Enable change by preparing professional output and messaging appropriate for the event, risk, and audience via professional newsletters and narrative, real-time event memorandums, and executive presentations.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

• Analyzes activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
• Leverages in depth knowledge of consumer credit policy to ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes. Maintains consumer credit documentation.
• Assesses analytic activities to ensure deep understanding of portfolio issues, trends, and root causes in order to effectively manage the credit portfolios.)
• Builds 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.

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, with 2+ years of relevant professional experience. 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)

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

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