PNC - Houston, TX
posted 5 months ago
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 Credit Risk Review Advisor within PNC's Credit Risk Review organization, this position is primarily based in a location within PNC's footprint. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager's discretion. The primary objective of Credit Risk Review (CRR) is to conduct timely and independent assessments of PNC's credit exposures and credit risk. Results from CRR's assessments are provided to senior management and PNC's Risk Committee of the Board of Directors. As CRR Advisor you will join a highly skilled team providing independent assessments of PNC's Commercial credit exposures. Your deep understanding of sound Commercial lending and credit risk practices will enable you to provide valuable insights and recommendations to drive effective credit risk management practices. Preferred experience is at least 8 years of Credit Risk/Credit Underwriting. In this role, you will analyze file review activities associated with applicable business segments and execute file review assessments on moderately complex credit and credit-related transactions. You will understand inherent risk and the materiality of risk, and may act as a reviewer in charge. You will serve as a resource to junior staff and demonstrate a robust understanding of the credit cycle and economic indicators' impact on key driving metrics. Your responsibilities will include analyzing moderately complex credit facility structures and underwriting processes within the context of credit policies, validating scorecard risk ratings, and ensuring understanding of portfolio issues, trends, and root causes to manage credit portfolios effectively. You will also analyze output to support decision-making, assess trends in assigned credit portfolios, and provide strong analytical insights to identify risk concentrations and systemic trends or issues. Additionally, you will complete work papers, track issues, and follow up on exam findings while participating in continuous monitoring for assigned portfolios. You will prepare materials and supporting documentation, conduct meetings with Line of Business representatives with minimal supervision, and effectively communicate Credit Risk Reviews plans and objectives for reviews. PNC Employees take pride in our reputation, and to continue building upon that, we expect our employees to be customer-focused and knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions.