Credit Risk Review Advisor - Commercial Lending
Company: PNC
Location: Fort Lauderdale
Posted on: April 28, 2024
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Job Description:
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 Credit Risk Review Advisor within PNC's
Credit Risk Review organization, this position is primarily based
in a location within PNC's footprint. Preferred locations are
listed in this requisition. Responsibilities require time in the
office or in the field on a regular basis. Some responsibilities
may be performed remotely, at manager's discretion. Additional
locations may be considered.
The primary objective of Credit Risk Review (CRR) is to conduct
timely and independent assessments of PNC's credit exposures and
credit risk. Results from CRR's assessments are provided to senior
management and PNC's Risk Committee of the Board of Directors. As
CRR Advisor you will join a highly skilled team providing
independent assessments of PNC's Commercial credit exposures. Your
deep understanding of sound Commercial lending and credit risk
practices will enable you to provide valuable insights and
recommendations to drive effective credit risk management
practices.
Preferred experience is at least 10-15 years of Credit Risk/Credit
Underwriting.
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.
Competencies
Analytical 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 Experience
Roles 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, job specific certification(s),
and experience (including military service) may be considered.
Education
Bachelors
Additional Job Description
Base Salary: Commensurate with skills
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:
If an accommodation is required to participate in the application
process, please contact us via email at
AccommodationRequest@pnc.com . Please include "accommodation
request" in the subject line title and be sure to include your
name, the job ID, and your preferred method of contact in the body
of the email. Emails not related to accommodation requests will not
receive responses. Applicants may also call 877-968-7762 and say
"Workday" for accommodation assistance. All information provided
will be kept confidential and will be used only to the extent
required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide
reasonable accommodations to employment applicants and qualified
individuals with a disability who need an accommodation to perform
the essential functions of their positions.
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
(https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC_CCPA_Privacy_Disclosure_Employee.pdf)
to gain understanding of how PNC may use or disclose your personal
information in our hiring practices.
Keywords: PNC, Oakland Park , Credit Risk Review Advisor - Commercial Lending, Other , Fort Lauderdale, Florida
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