Business Credit Asset Manager Consultant - PNC Midland

Business Credit Asset Manager Consultant

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 Business Credit Asset Manager Consultant within PNC's Midland organization, you will be based remotely within the PNC Midland footprint. PNC provides a best in class office environment; and also supports remote and hybrid work environments.

Degree in Business, Finance or a related Degree. 5+ years of related business credit analysis experience. Experience conducting deep analysis on company performance and financials. Experience with commercial credit metrics and financials. Strong working knowledge of financial software and advanced excel. Interpersonal skills to diplomatically work with clients. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

Oversees portfolio and borrower requests of high complexity for securitized CMBS, Agency, SFR, SASB or other portfolios comprised of loans secured by income producing commercial real estate.

Analyzes various financial reports, including property operating statements, loan guarantor financials, loan level covenants and market economic data. Reviews and interprets complex loan documents and servicing agreement requirements.

Evaluates credit risk and proposes risk mitigants using advanced commercial real estate expertise, including industry terminology and real estate capital markets while adhering to established procedures.

Prepares and presents formal recommendations for approval in accordance with applicable delegations of authority.

Engages in frequent verbal and written communication with external parties on highly complex matters, which may include borrowers and their representatives, internal and external legal counsel, rating agencies, special servicers, and investors.

May be the department level Subject Matter Expert of certain process(es). Mentors and assist with training of less experienced employees. Review and approve routine recommendations as contemplated under the delegation of authority.

Leads process improvement initiatives and special departmental projects.

Qualifications

Successful 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 Skills

Asset Management, Decision Making, Financial Accounting, Financial Management, General Ledger (GL), Investment Management, Revenue Recognition

Competencies

Data Gathering and Reporting, Decision Making and Critical Thinking, Effective Communications, Financial Statement Analysis, Investment Reporting, Managing Multiple Priorities, Market Risk, Negotiating, Problem Solving, Regulatory Environment - Financial Services

Work Experience

Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required.

Education

Bachelors

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Benefits

PNC 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; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level.

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.

Equal Employment Opportunity

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. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and / or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

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.