Pittsburgh, Pennsylvania

PNC External





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Job Profile

Position OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. As a LOB Consumer Credit Specialist Sr within PNC's Credit and Collateral organization, you will be based in Pittsburgh, PA, Cleveland, OH and Tysons Corner, VA.

Consumer credit loan/line underwriting experience
Ability to read and interpret credit policy
Familiarity with credit bureau data and lending principles

Written communication skills to synthesize findings for broader consumption

Ability to work through reviews in a timely manner with an attention to detail

Ability to work collaboratively with partners in underwriting, decision management and various lines of defense

File review of individual automated decision transactions
Using the policies and risk procedures as a reference, validate the decision that was made
Review the data elements used in the decision for reasonableness
Review the broader credit file to notate any anomalies to alert the Credit Strategy team

Review results from automated control reports and execute manual controls
Confirm that knockout rules are functioning as intended
Confirm no changes in trends/volumes for referral rules
Execute manual controls as needed (ex. Review comparison of vendor/stated/verified income)

Feedback on policy/risk procedure content
Ensure that policies and risk procedure are specific enough and include enough 'why' context to enable independent review without asking for verbal SME direction

Job Description

  • Assesses 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 ensure adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
  • Reviews analytic activities to ensure deep understanding of portfolio issues, trends and root causes in order to effectively manage the credit portfolios.
  • Assesses credit transaction models utilized within defined asset class and activity. Ensures adherence to model management processes, such as model validation, testing, and maintenance, by ensuring the appropriate resources are in place to adhere to guidance.
  • Follows and recognizes economic, regulatory, and other trends affecting borrowers. 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.
CompetenciesCredit Analysis and Verification - Knowledge of and ability to utilize tools, techniques and practices for determining the credit-worthiness of an applicant.Credit Risk - Knowledge of processes, tools, and techniques used to determine the degree of credit risk in a given transaction or customer relationship; ability to assess, rate and manage exposure to credit risk.Financial Statement Analysis - Knowledge of tools, techniques, and practices, and ability to analyze and determine the credit-worthiness of a business enterprise through its financial statements.Portfolio Management - 1 - Knowledge of and ability to utilize the tools, techniques, and acceptable business practices associated with managing a portfolio.Problem Solving - Knowledge of approaches, tools, techniques for recognizing, anticipating, and resolving organizational, operational or process problems; ability to apply this knowledge appropriately to diverse situations.Quantitative Techniques - Knowledge of and ability to use quantitative tools and techniques to measure and analyze risks.Regulatory Environment - Financial Services - Knowledge of and ability to help an organization adapt to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices.Risk Economics and Finance - Knowledge of economic and financial principles/theories and ability to apply them to risk management, measurement, monitoring, and reporting.Work ExperienceRoles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.EducationBachelors

Additional Job Description

Benefits

PNC offers employees 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; maternity and parental leave; paid holidays, vacation days and occasional absence time; 401(k), pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about these and other programs, including benefits for part-time employees, visit pncbenefits.com > New to PNC.

Disability Accommodations Statement:


The PNC workplace is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the PNC Careers website or submission process, please call 877-968-7762 and select Option 4: Recruiting or contact us via email at pathfinder@pnc.com.

The Human Resources Service Center hours of operation are Monday - Friday 9:00 AM to 5:00 PM ET.

Equal Employment Opportunity (EEO):


PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

California Residents

Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

Pittsburgh, Pennsylvania

 

A Workplace that Welcomes Everyone
 
At PNC, we’ve built a culture based on respect, integrity and inclusion. A culture that’s open to new ideas, new insights and new voices. A culture where everyone can truly be themselves and make their thoughts and opinions known – it’s our differences that give us strength and make us who we are today. Here, you’re empowered and encouraged to make an impact on the world around you while being your most authentic self.
Investing in Our Employees

Attracting, recruiting and retaining a diverse workforce is essential to our success, providing us with a wealth of skills and ideas, increasing employee engagement and tying us closer to the communities we serve.

Embracing a Culture of Diversity

We champion a culture where employees feel confident presenting their ideas and are valued for their abilities.

Building Bridges With Our Customers & Communities

By deepening relationships with our diverse customers and markets, we identify and navigate new marketplace opportunities and improve the customer experience.

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