Philadelphia, Pennsylvania

PNC External

To apply for this position please CLICK HERE Position Overview

At 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. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a(n) [position title] within PNC's [name of division] organization, you will be based in [city/state location of position].

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. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a Credit Risk Review Advisor, you will be within PNC's Credit Risk Review Organization. This is a position which provides flexibility to work both in the office and remotely and is based in Cleveland, OH, Philadelphia, PA, Houston, TX, Raleigh, NC, Birmingham, AL and Pittsburgh, PA. Certain job responsibilities require time in the office on a regular basis. This position may not be available in all jurisdictions.

This position will support Credit Risk Review's assessment of PNC's commercial portfolio, including Asset Backed Finance, PNC Real Estate, Dealer Finance, Business Credit and Capital Markets, along with the Commercial Banking segment, Diversified Industries Group - Energy/Utilities/Healthcare/Other, Public Finance, and Corporate Finance & Middle Market. The individual will assess if PNC is underwriting to its prescribed policies and procedures as well as alignment to regulatory guidance.

Job Description

  • Analyzes file review activities associated with applicable business segment. Executes file review assessment on moderately complex credit and credit related transactions; understands inherent risk and the materiality of risk. May act as a reviewer in charge. Serves as a resource to junior staff.
  • Robust understanding of the credit cycle and economic indicators' impact on key driving metrics. Demonstrates robust knowledge of where and how to leverage industry/economic research tools into the review.
  • Analyzes moderately 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 strong analytical insight and 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.
  • Prepares materials and supporting documentation, and conducts meetings with Line of Business representatives with minimal supervision. 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.
CompetenciesAnalytical Thinking - Knowledge of techniques and tools that promote effective analysis and the ability to determine the root cause of organizational problems and create alternative solutions that resolve the problems in the best interest of the business.Conflict Management - Understanding of how to anticipate, recognize, and deal effectively with existing or potential conflicts at the individual, group, or situation level; ability to apply this understanding appropriately to diverse situations.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.Effective Communications - Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.Loan Review - Knowledge of and ability to review a bank's loans to ensure compliance with organizational policies and standards and to identify and control risks in a loan portfolio.Organizational Governance - Knowledge of the processes, customs, policies, and rules affecting the way the organization is administered and controlled; ability to ensure compliance with same.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.Work ExperienceRoles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.EducationBachelors

Additional Job Description

This is a hybrid position which provides flexibility to work both in the office and remotely and is based within PNC's footprint. Certain job responsibilities may require time in the office on a regular basis.

Base Salary: Commensurate with skills and experience.


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 > 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

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.

Philadelphia, 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. PNC encourages professional and personal development through our Employee Business Resource Groups (EBRGs), which cultivate leadership skills, provide growth opportunities, and allow employees to reach their full potential.

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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