Commercial Asset Consultant Senior

PNC - Overland Park, KS

Full-time - Mid Level

Overland Park, KS

Credit Intermediation and Related Activities

About the position

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 Commercial Asset Consultant Sr within PNC's Commercial Asset Team (CAT) organization, you will be based in Charleston, SC or Kansas City, KS. In this role, you will administer large-level-risk transactions for clients with the goal of minimizing losses and optimizing resolutions. You will gather financial data, prepare analysis, and develop workout strategies and alternatives for a portfolio. This includes reviewing relevant documents and transaction deal structures. You will negotiate workout options with customers to reduce risks and losses, working closely with internal and external business partners and borrowers to better secure collateral coverage while adhering to established policies, procedures, and regulations. Your responsibilities will also include evaluating an asset or the customer's cash flow, balance sheet, long-term business plans, and other relevant financial information. You will participate and/or lead communications with bank group members and third parties, including the OCC, Credit Risk Review, and Internal Audit. Additionally, you will work with internal business partners on negotiations and documentation to mitigate risk, and may mentor peers or participate in regulatory discussions.

Responsibilities

• Administers large-level-risk transactions for clients to minimize losses and optimize resolutions.
• Gathers financial data, prepares analysis, and develops workout strategies and alternatives for a portfolio.
• Reviews relevant documents and transaction deal structures.
• Negotiates workout options with customers to reduce risks and losses.
• Works with internal and external business partners and borrowers to secure collateral coverage.
• Adheres to established policies, procedures, and regulations.
• Evaluates an asset or the customer's cash flow, balance sheet, long-term business plans, and other relevant financial information.
• Participates and/or leads communications with bank group members and third parties including the OCC, Credit Risk Review, and Internal Audit.
• Works with internal business partners on negotiations and documentation to mitigate risk.
• May mentor peers and participate in regulatory discussions.

Requirements

• University/college degree with 5+ years of industry-relevant experience.
• Specific certifications may be required; in lieu of a degree, a comparable combination of education, job-specific certification(s), and experience may be considered.

Nice-to-haves

• Asset Management
• Capital Management
• Commercial Lending Training
• Corporate Finance
• Decision Making
• Financial Accounting
• Financial Management
• Financial Operations
• Investment Strategies
• Revenue Recognition

Benefits

• 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
• Robust wellness program with financial incentives
• Maternity and/or parental leave
• Up to 11 paid holidays each year
• 8 occasional absence days each year
• Between 15 to 25 vacation days each year, depending on career level and years of service.