Job Description

Position Overview

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\xe2\x80\x99s success. As a(n) [position title] within PNC\'s [name of division] organization, you will be based in [city/state location of position].

Job Profile

Position Overview

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\xe2\x80\x99s success. As a Relationship Manager II within PNC\'s Business Credit organization, you will be based within the bank\'s footprint.

*Preferred locations are listed, and other locations may be considered contingent on business need.

**The successful candidate will have a background in Asset Based Lending and preferably experience in Underwriting.

• Coordinates relationship management activities with existing clients to ensure client retention, risk management and revenue growth. Typically works with clients with moderate levels of risk and complexity of needs. Generally works with a moderate degree of supervision.
• With modest oversight, handles the origination, negotiation and documentation of credit and non-credit products and services. Prepares approval documents using judgment and guidance from manager to identify risks and mitigants, and analyze credit, collateral strength, and financial worthiness of loan/transaction parties. Within stated guidelines effectively manages risk/return and drive quality for existing clients, actively identifying and mitigating different types of risk, such as regulatory, reputational, operational and credit risks.
• Works within stated guidelines to expand and retain client relationships to generate revenue and deepen share of wallet. Focuses on client retention strategies and providing ideas and insights based on an understanding of the client\'s needs and their financial well-being. Focuses on increasing client engagement and loyalty.
• Building and maintaining an effective network of internal and external relationships, such as community and industry relationships, to enhance the client experience. Focuses on bringing entire bank to the client by presenting the full range of PNC\'s products and services.
• With significant oversight and direction as applicable, negotiates workout options with customers to reduce risks and losses. Works with internal and external business partners and borrowers to better secure collateral coverage.

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.

Competencies

Accuracy and Attention to Detail \xe2\x80\x93 Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.

Business Acumen \xe2\x80\x93 Knowledge, insight, and understanding of business concepts, tools, and processes that are needed for making sound decisions in the context of the company\'s business; ability to apply this knowledge appropriately to diverse situations.

Collateral Management \xe2\x80\x93 Knowledge of the concepts, objectives, tools and methods used in collateral management; ability to implement and develop collateral strategies for risk control and profit management.

Credit Analysis and Verification \xe2\x80\x93 Knowledge of and ability to utilize tools, techniques and practices for determining the credit-worthiness of an applicant.

Customer Experience Management. \xe2\x80\x93 Implements the strategies and techniques used to ensure that customers have a positive experience with the organization and its products and services at every touch point.

Effective Communications \xe2\x80\x93 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 Engineering \xe2\x80\x93 Knowledge of and ability to utilize the tools, techniques, and practices for creating a mix of financial instruments that will leverage a client\'s financial resources to an acceptable level of risk.

Regulatory Environment - Financial Services \xe2\x80\x93 Knowledge of and ability to help an organization adapt to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices.

Work Experience

Roles 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 and experience (including military service) may be considered.

Education

Bachelors

Additional

COMPENSATION

Base Salary: $65,000 - $157,300

Placement within the compensation range is based on the specific role and the following factors:

• Individual salary may vary by geographic location / market data
• Lower in range \xe2\x80\x93 Building skills and experience in the job
• Mid-range \xe2\x80\x93 Experience and skills align with proficiency in the role
• Higher in range \xe2\x80\x93 Experience and skills add value above typical requirements of the role

Benefits

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 > New to PNC.

Disability Accommodations Statement:

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 877-968-7762 and select Option 4: Recruiting or contact us via email at pathfinder@pnc.com.

The Human Resources Service Center hours of operation are Monday - Friday 9:00 AM to 5:00 PM ET.

Equal Employment Opportunity (EEO):

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.

California Residents

Refer to the to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

PNC Financial Services