Position OverviewAs a Commercial Credit Expert, you will be within PNC's Independent Risk Management organization, supporting the Central Credit Products Group (CCPG).
In addition to the job description below, qualified candidates will have 8+ years of commercial credit experience and be expected to interpret PNC's Credit Policies and Procedures, including those pertaining to Risk Rating. Knowledge of the Commercial line of business is necessary, and subject matter expertise on the various areas of lending within the Commercial bank, including an understanding of the credit process from beginning to end, is preferred.
PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.
Job Description- Analyzes activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
- Analyzes the extension of credit, including overdrafts, for clients of high complexity within prescribed approval authorities. Has final approval authority on an obligor's risk rating.
- Analyzes credit facility structure and underwriting process within the context of credit policies. Supports scorecard related validation, testing and maintenance activities.
- Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to help determine decision-making.
- Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends. Maintains knowledge of economic, regulatory and other trends affecting borrowers and helps incorporate this information into the assessment of the borrowers.
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.
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. Higher level education such as a Masters degree, or PhD is desirable. Industry experience is typically 8 + years. 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.
EducationBachelors
CertificationsNo Required Certification(s)
LicensesNo Required License(s)
Language AssessmentsNo Required or Preferred Language Assessments
Pay TransparencyBase Salary: $133,000.00 - $296,400.00
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 07/29/2026, 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.
