Job description

Job Profile

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 Relationship Manager I within PNC's Business Credit organization, you will be based within the bank's footprint.

• Preferred locations are listed, and other locations may be considered contingent on business need.

**The successful candidate will have a background in Asset Based Lending and preferably experience in Underwriting.

Job Description

Handles relationship management activities with existing clients to ensure client retention, risk management and revenue growth. Typically works with clients with basic levels of risk and complexity of needs. Generally works with higher degree of supervision.
With significant oversight and direction, handles the origination, negotiation and documentation of credit and non-credit products and services. Prepares approval documents to identify risks and mitigants, analyze credit, collateral strength, and financial worthiness of loan/transaction parties with guidance from others. Works with manager to effectively manage risk/return and drive quality for existing clients, actively identifying and mitigating different types of risk, such as regulatory, reputational, operational and credit risks.
With direction, expands and retains client relationships to generate revenue and deepen share of wallet. Focuses on client retention strategies by working with their manager to provide ideas and insights based on a growing understanding of the client's needs and financial well-being. Focuses on increasing client engagement and loyalty.
Begins to build an effective network of internal and external, such as community and industry, relationships to enhance the client experience. Focuses on bringing entire bank to the client by working to learn, understand, and present the full range of PNC's products and services.
With significant oversight and direction as applicable, negotiates workout options with customers to reduce risks and losses. Works with internal and external business partners and borrowers to better secure collateral coverage.

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

Accuracy and Attention to Detail – Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.

Business Acumen – Knowledge, insight, and understanding of business concepts, tools, and processes that are needed for making sound decisions in the context of the company's business; ability to apply this knowledge appropriately to diverse situations.

Collateral Management – Knowledge of the concepts, objectives, tools and methods used in collateral management; ability to implement and develop collateral strategies for risk control and profit management.

Credit Analysis and Verification – Knowledge of and ability to utilize tools, techniques and practices for determining the credit-worthiness of an applicant.

Customer Experience Management. – Implements the strategies and techniques used to ensure that customers have a positive experience with the organization and its products and services at every touch point.

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.

Financial Engineering – Knowledge of and ability to utilize the tools, techniques, and practices for creating a mix of financial instruments that will leverage a client's financial resources to an acceptable level of risk.

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 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.

Education

Bachelors

Additional Job Description

COMPENSATION
Base Salary : $55,000 - $127,400
Placement within the compensation range is based on the specific role and the following factors:
Individual salary may vary by geographic location / market data
Lower in range – Building skills and experience in the job
Mid-range – Experience and skills align with proficiency in the role
Higher in range – Experience and skills add value above typical requirements of the role

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.

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