**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 Business Credit Asset Manager Consultant within PNC's Midland organization, you will be based remotely within the PNC Midland footprint. PNC provides a best in class office environment; and also supports remote and hybrid work environments.
*Degree in Business, Finance or a related Degree.
*5+ years of related business credit analysis experience.
*Experience conducting deep analysis on company performance and financials.
*Experience with commerical credit metrics and financials.
*Strong working knowledge of financial software and advanced excel.
*Interpersonal skills to diplomatically work with clients.
PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
**Job Description**
+ Oversees portfolio and Borrower requests of high complexity for securitized CMBS, Agency, SFR, SASB or other portfolios comprised of loans secured by income producing commercial real estate .
+ Analyze various financial reports, including property operating statements, loan guarantor financials, loan level covenants and market economic data. Review and interprets complex loan documents and servicing agreement requirements.
+ Evaluates credit risk and proposes risk mitigants using advanced commercial real estate expertise, including industry terminology and real estate capital markets while adhering to established procedures.
+ Prepares and presents formal recommendations for approval in accordance with applicable delegations of authority.
+ Engages in frequent verbal and written communication with external parties on highly complex matters, which may include borrowers and their representatives, internal and external legal counsel, rating agencies, special servicers, and investors.
+ May be the department level Subject Matter Expert of certain process(es). Mentors and assist with training of less experienced employees. Review and approve routine recommendations as contemplated under the delegation of authority.
+ Leads process improvement initiatives and special departmental projects.
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 required certifications/licensures needed to be successful in this position.
**Preferred Skills**
Asset Management, Decision Making, Financial Accounting, Financial Management, General Ledger (GL), Investment Management, Revenue Recognition
**Competencies**
Data Gathering and Reporting, Decision Making and Critical Thinking, Effective Communications, Financial Statement Analysis, Investment Reporting, Managing Multiple Priorities, Market Risk, Negotiating, Problem Solving, Regulatory Environment - Financial Services
**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
**Certifications**
No Required Certification(s)
**Licenses**
No Required License(s)
**Benefits**
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.
To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards ( .
**Disability Accommodations Statement**
If an accommodation is required to participate in the application process, please contact us via email at
[email protected] . 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.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
**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.