Credit Product Specialist
Company: PNC Financial Services Group
Posted on: October 8, 2021
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 Product Specialist within PNC's
Corporate & Institutional Banking organization, you will be based
in San Antonio, TX.
- Serves as a market level credit product expert.
Structures and advises clients on various types of credit and
credit-related transactions to meet clients needs while staying
within the Bank's risk profile. Responsible for the entire
execution of credit related products and all other credit products
including but not limited to ACH, FX, EF and Derivatives. Manages
the diligence/approval process and negotiate all legal documents
and closing. Partners effectively with the Relationship Banking
team to help identify and drive revenue through credit
- Directly responsible for managing a portfolio of
borrowers and all portfolio management activities, including direct
and on-going communication with the clients.
- Collaborates with RMs and other product partners (i.e.
TM, FX, DCM) to assess credit needs generate ideas and deliver
integrated solutions. Able to assess industry dynamics to advise on
the best solutions. Participates in client and prospect calls in
conjunction with the RMs.
- Responsible for structuring credit transactions within
the Banks credit risk appetite. Leads internal white boarding and
diligence sessions to assess viable solutions.
- Drives the internal credit approval process, loan
documentation and closing.
- Responsible for the indirect management of a team of
employees to handle all aspects of the credit process. Plays a key
role in training, mentoring and developing junior
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.
Client Relationship Management – Knowledge and ability to determine
and satisfy client needs and maintain a partnering relationship
during engagements; includes influencing, communicating,
presenting, facilitating, managing and developing others.
Credit Analysis and Verification – Knowledge of and ability to
utilize tools, techniques and practices for determining the
credit-worthiness of an applicant.
Decision Making and Critical Thinking – Understanding of the issues
related to the decision-making process; ability to analyze
situations fully and accurately, and reach productive decisions.
Effective Communications – Understanding of effective communication
concepts, tools and techniques; ability to effectively transmit,
receive, and accurately interpret ideas, information, and needs
through the application of appropriate communication behaviors.
Financial Analysis – Knowledge of and ability to read, interpret
and draw accurate conclusions from financial and numerical
Knowledge of Underwriting – Knowledge of the full spectrum of
underwriting activities, practices, tools and considerations, and
the ability to utilize these to manage the underwriting process.
Negotiating – Knowledge of successful negotiation concepts and
techniques; ability to negotiate successfully across the
organization and with external vendors and clients in a
constructive and collaborative manner.
Portfolio Management – Knowledge of and ability to utilize the
tools, techniques, and acceptable business practices associated
with managing a client's securities investments.
Roles at this level typically require a university / college
degree. Higher level education such as a Masters degree, PhD, or
certifications is desirable. Industry relevant experience is
typically 8+ years. Specific certifications are often required. In
lieu of a degree, a comparable combination of education and
experience (including military service) may be considered.
Additional Job Description
PNC offers employees 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; maternity
and parental leave; paid holidays, vacation days and occasional
absence time; 401(k), pension and stock purchase plans; dependent
care reimbursement account; back-up child/elder care; adoption
assistance; educational assistance and a robust wellness program
with financial incentives. To learn more about these and other
programs, including benefits for part-time employees, visit
pncbenefits.com > New to PNC.
The PNC workplace is inclusive and supportive of
individual needs. If you have a physical or other impairment that
might require an accommodation, including technical assistance with
the PNC Careers website or submission process, please call
Option 4: Recruiting
contact us via email at
The Human Resources Service Center hours of
operation are Monday - Friday 9:00 AM to 5:00 PM
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
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.
Keywords: PNC Financial Services Group, Austin , Credit Product Specialist, Other , Austin, Texas
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