Position OverviewAs an LOB Consumer Credit Risk Advisor within PNC's Data, Modeling & Analytics Decisioning Quality Assurance organization, you will be based in Pittsburgh, PA, Cleveland or Brecksville, OH, Tysons Corner, VA, Charlotte, NC or Birmingham, AL.
Role Overview
As a LOB Consumer Credit Risk Advisor, you will support delivery of QA oversight across the full credit lifecycle, including originations, account management, and default management. This role is responsible for evaluating decision quality, identifying risk, and delivering insights that strengthen credit processes and regulatory alignment.
You will serve as a trusted advisor, delivering timely, actionable, and business-focused insights with best-in-class quality. Success in this role requires strong analytical capability, attention to detail, and a client-first mindset.
Key Responsibilities:
• Create curated data sets necessary to execute exams across all credit life cycles.
• Conduct QA reviews across credit lifecycle processes to assess adherence to policy, underwriting standards, and regulatory requirements.
• Identify defects, control gaps, and risks impacting decision accuracy and customer outcomes.
• Document findings with clear, concise, and audit-ready support.
• Understand and execute against Retail Level priorities.
• Analyze QA results to identify trends, root causes, and emerging risks.
• Partner with cross-functional teams (Product, Decision Infrastructure, Operations, Risk) to support QA priorities and remediation efforts.
• Compose and present final reports to business partners.
Preferred skills and experience:
• Bachelor’s degree in finance, accounting, business, economics, mathematics, engineering, or equivalent work experience.
• Able to gather and store large data sets using Spark based SQL queries within a Python environment (JupyterHub).
• Capable of navigating the full PNC and client ecosystem with agility and insight, including credit and risk frameworks, regulatory expectations, product features, client experience, market trends, and data within PNC systems. The analyst must connect these areas to deliver holistic, business-relevant insights.
• Understanding of credit underwriting concepts (income, housing, DTI, policy rules).
• Strong attention to detail, analytical and problem-solving skills.
• Experience in QA, audit, financial services consulting, credit risk, lending operations, large data analysis, or related field.
• Proficiency in communicating insights and findings clearly in a professional format.
• Desire to grow professionally in a collaborative environment, receive coaching and feedback, and ultimately lead exams.
Job Description- Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
- Maintains in depth knowledge of consumer credit policy and ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
- Monitors credit by leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics, oversees follow-up, and analyzes output to inform decision - making.
- Manages and updates credit transaction models utilized within defined asset class and activity and ensures adherence to model management processes (i.e., model validation, testing, maintenance) by ensuring the appropriate resources are in place to adhere to guidance.
- Follows and recognizes economic, regulatory, and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy. Reviews validation outputs on data produced and delivered; ensures that work set is completed and that the right conversations are taking place to execute deliverables.
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
CompetenciesCredit Analysis and Verification, Credit Risk, Financial Statement Analysis, Portfolio Management - 1, Problem Solving, Quantitative Techniques, Regulatory Environment - Financial Services, Risk Economics and Finance
Work ExperienceRoles 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.
EducationBachelors
CertificationsNo Required Certification(s)
LicensesNo Required License(s)
Pay TransparencyBase Salary: $70,000.00 – $156,000.00
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 06/02/2026, 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, visitpncthrive.com.
