Advanced Credit Analyst

2 weeks ago

Cincinnati, Ohio, United States PNC Financial Services Group Full time
Position Overview
At PNC Financial Services Group, our workforce is our most significant differentiator and competitive edge in the markets we operate. We are all committed to providing the best experience for our clients.

We collaborate daily to cultivate an inclusive workplace culture where all employees feel respected, valued, and have the opportunity to contribute to the organization's success.

As a Senior Underwriter within PNC's Vendor Finance division, you will be responsible for a range of tasks that require both office and field presence on a regular basis.

Some responsibilities may be executed remotely, depending on managerial discretion. *Subject to business needs, this position may be available in various locations or potentially in a remote capacity.**Experience in municipal credit analysis and underwriting is preferred.

Job Responsibilities
Work autonomously with minimal oversight.

Exercise elevated approval authority and exceptions.

Prepare proposals for transactions of varying complexity or manage an assigned portfolio.

Engage with both internal and external clients. Provide recommendations for credit structuring and serve as a subject matter expert for specific asset classes. Act as a mentor, work lead, and trainer for the team.

Utilize independent judgment to identify risks and mitigants, preparing proposals and/or scorecards, such as risk ratings, by analyzing credit, collateral strength, and financial viability of loan/transaction parties.

If applicable, conduct ongoing credit risk management for the assigned portfolio. Mentor and/or review the work of other underwriters and fill in for management as necessary.
Contact internal/external clients and other stakeholders as needed to gather information and clarify any inconsistencies or missing data. May perform relevant pre-approval and post-approval tasks.
Identify and confirm all external regulatory requirements. Ensure adherence to internal policies and procedures.
Make recommendations on credit decisions or directly make credit decisions as appropriate.

PNC Employees are expected to be:
Customer Focused
  • Knowledgeable of the values and practices that prioritize customer needs and satisfaction in all business decisions, leveraging that information to create tailored customer solutions.

Managing Risk
  • Effectively assess and manage all risks associated with business objectives and activities to ensure compliance with PNC's Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate the requisite knowledge, skills, and abilities for this role. Below are the skills, competencies, work experience, education, and required certifications/licensures needed for success in this position.

Preferred Skills: Credit Decisions, Customer Needs, Decision Making, Financial Analysis, Risk Identification, Process Improvements, Results-Oriented, Risk Assessments.

Competencies:
Accuracy and Attention to Detail, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communication, Financial Analysis, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational Functions.

Work Experience: Roles at this level typically require a university/college degree, with over 5 years of relevant industry experience. Specific certifications may be required.

In lieu of a degree, a comparable combination of education, job-specific certifications, and experience (including military service) may be considered.

Education: Bachelor's Degree.
Certifications: No Required Certification(s).
Licenses: No Required License(s).
Benefits:
PNC offers a comprehensive range of benefits to meet your needs now and in the future. Depending on 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 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.

To learn more about these and other programs, including benefits for full-time and part-time employees, visit PNC's official website.

Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified individuals regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

California Residents should refer to the California Consumer Privacy Act Privacy Notice to understand how PNC may use or disclose personal information in hiring practices.

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