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 Product Manager within PNC's Regional Credit Products Group organization, you will be based in Troy, MI.
This position is primarily based in a location within PNC’s footprint.

Job Description

• Serves as a market level credit product expert in addition to direct management of a team within Credit Products. Structures and advises clients on types of credit and credit-related transactions to meet clients needs while staying within the Bank's risk profile. Responsible for the entire execution of credit related products and all other credit products including but not limited to ACH, FX, EF and Derivatives. Manages the diligence/approval process and negotiate all legal documents and closing. Partners effectively with the Relationship Banking team to help identify and drive revenue through credit products.
• Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and on-going communication with the clients.
• Collaborates with RMs and other product partners (i.e. TM, FX, DCM) to assess credit needs generate ideas and deliver integrated solutions. Able to assess industry dynamics to advise on the best solutions. Participates in client and prospect calls in conjunction with the Relationship Managers.
• Responsible for structuring credit transactions within the banks credit risk appetite. Leads team through internal white boarding and diligence sessions to assess viable solutions.
• Drives the internal credit approval process, loan documentation and closing.
• Responsible for the direct management of a team of employees to handle all aspects of the credit process. Plays a key role in training, mentoring and developing junior talent.

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.

PNC also has fundamental expectations of our people managers. As a manager of talent in PNC, you will be expected to:

• Include Intentionally - Cultivates diverse teams and inclusive workplaces to expand thinking.
• Live the Values - Role models our values with transparency and courage.
• Enable Change - Takes action to drive change and innovation that will transform our business.
• Achieve Results - Takes personal ownership to deliver results. Empowers and trusts others in decision making.
• Develop the Best - Raises the bar with every talent decision and guides the achievement of all employees and customers.

Competencies

Client Relationship Management – Knowledge and ability to determine and satisfy client needs and maintain a partnering relationship during engagements; includes influencing, communicating, presenting, facilitating, managing and developing others.Credit Analysis and Verification – Knowledge of and ability to utilize tools, techniques and practices for determining the credit-worthiness of an applicant.Decision Making and Critical Thinking – Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions.Financial Analysis – Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material.Knowledge of Underwriting – Knowledge of the full spectrum of underwriting activities, practices, tools and considerations, and the ability to utilize these to manage the underwriting process.Negotiating – Knowledge of successful negotiation concepts and techniques; ability to negotiate successfully across the organization and with external vendors and clients in a constructive and collaborative manner.Portfolio Management – Knowledge of and ability to utilize the tools, techniques, and acceptable business practices associated with managing a client's securities investments.

Work Experience

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry experience is typically 8 years. At least 5 years of prior management experience is typically 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 and experience.

Benefits

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

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