PNC Credit Risk Review Advisor Senior- Commercial Lending 

United States, Texas, Houston 

985858936

Preferred Qualifications:
• The position requires robust credit knowledge and strong experience related to Commercial credit extension and management.
• 10-15+ years of Credit Risk/Credit Underwriting preferred.
• Strong verbal and written communication, in addition to ability to handle difficult conversations, are critical to effectively communicate with stakeholders.
Job Description

• Analyzes file review activities for assigned business segment. Executes file review assessment on complex credit and credit related transactions, and demonstrates understanding of the inherent level and materiality of risk. Acts as a second level reviewer and reviewer in charge. Serves as an expert resource to the team.
• Correlates industry, economic, regulatory and other trends in the credit cycle. Provides expert insight and includes findings in the credit review assessment.
• Analyzes complex credit facility structures and underwriting processes within the context of credit policies. Validates scorecard risk ratings, testing and maintenance activities. Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to support decisioning. Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends.
• Provides expert analytical insight and assesses the risk organization's sufficiency to identify and manage forward looking risks. Identifies risk concentrations, systemic trends or issues.
• Completes work papers, issue tracking and follows up on exam findings. Participates in continuous monitoring for assigned portfolios. Supervises and mentors undergraduate interns and rotational program associates.
• Independently prepares materials and supporting documentation, and conducts meetings with Line of Business representatives. Effectively communicates Credit Risk Reviews plans and objectives for reviews.

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, Conflict Management, Credit Risk, Effective Communications, Loan Review, Organizational Governance, Regulatory Environment - Financial ServicesRoles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant 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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