Position OverviewAs the Commercial Credit Director, Real Estate Credit Risk Management organization for the Southeastern United States.
Job Description- Coordinates and manages all activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
- Approves the extension of credit, including overdrafts, for clients of the highest complexity within prescribed approval authorities. Leads strategic discussions in committees (Credit Risk, Data Governance etc.); reviews validation outputs on data produced and delivered. Has final approval authority on an obligor's risk rating.
- Maintains expert knowledge on economic, regulatory, and other trends affecting borrowers and initiates relevant analyses by leveraging key analytic partners to determine potential impacts on policy and root causes in portfolio issues to effectively manage credit portfolios. Responsible for compliance with regulatory guidance.
- Ensures effective credit monitoring by the team leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics and analyzes output to inform decision - making. Documents and reports, until resolved, all credit exceptions and prepares various management summary reports.
- Directs the credit policy function and credit transaction models and collaborates with first line of defense on strategic agenda to grow business with acceptable return on capital. Responsible for adherence to policy and model management processes and monitors the performance of the function to manage expected outcomes.
- Directs, motivates, develops, and oversees the performance of a team of senior staff.
QualificationsSuccessful 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 SkillsAnalytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk Appetite
CompetenciesConflict Management, Credit Analysis and Verification, Credit Risk, Decision Making and Critical Thinking, Financial Statement Analysis, Portfolio Management - 1, Products and Services, Risk Management Policies and Procedures
Work ExperienceRoles at this level typically require a university / college degree and higher level education such as a Masters degree, PhD, or certifications. Industry -relevant experience is typically 8+ years. At least 5 years of prior management experience is typically required. Proven leadership experience with a large scope of responsibility is required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
EducationBachelors
CertificationsNo Required Certification(s)
LicensesNo Required License(s)
Pay TransparencyBase Salary: $143,000.00 - $297,000.00
Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.
Application WindowGenerally, this opening is expected to be posted for two business days from 08/03/2026, although it may be longer with business discretion.
BenefitsPNC 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; 9 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 pncthrive.com.
