**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’s success. We are looking to hire a Consumer Credit Specialist to support the Consumer Credit Risk Oversight Team within PNC's Credit Risk Management organization. This role is 2LOD credit risk challenge and oversight across retail, small business, and asset management credit team verticals. Primary responsibilities for this role entail identifying external events and delivering forward-views of potential risk impacts to internal credit strategies, loan portfolios, and lending processes. Also primary to the role is responsibility to identify and investigate internal emerging credit risks, trends, and ecosystem impacts by performing account-level reviews and portfolio monitoring. Preferred Qualifications: o 2+ years of experience in risk management, credit/underwriting, or economics o Experience with retail, small business, or asset management lending o Proficiency with research, investigative, and challenge techniques o Skilled in business writing, presentations, and public speaking o Familiarity with technology, data inquiry, and data visualization This role is part of a high-performing team that supports each other and succeeds together. Our scope of work is broad and dynamic, providing excellent opportunity to build functional, behavioral, and technical proficiency in credit risk. Additional responsibilities exist to provide support across all credit verticals for ad hoc activities to investigate credit risk and support credible challenge. Job Responsibilities: This position will have broad responsibility and strong developmental support across a wide range of credit-focused activities linking external risk events to internal PNC portfolios and lending activities. • External: Daily monitoring and rapid socialization of external news, research, and events that may have credit risk implications to household financial health, credit team verticals, key industry and core market dynamics, and credit portfolio quality and performance. • Internal: Continuous engagement with credit team verticals, their loan portfolios, business priorities, and other dynamic support to effectuate their credible challenge with the lines of business and other risk partners. Account-level review support is central to supporting credit teams and the investigation of emerging risk in portfolios. • Connected Views: Synthesize the external and internal elements above to create a clear and compelling understanding of potential credit risks and trends, pathways of risk outcomes, specific lending ecosystem impacts, and the socialization of those storylines and recommendations to executive and business leadership. • Output: Enable change by preparing professional output and messaging appropriate for the event, risk, and audience via professional newsletters and narrative, real-time event memorandums, and executive presentations. This position is primarily based in a PNC location. Preferred locations are listed on the posting. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager’s discretion. **Job Description** + Analyzes activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting. + Leverages in depth knowledge of consumer credit policy to ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes. Maintains consumer credit documentation. + Assesses analytic activities to ensure deep understanding of portfolio issues, trends, and root causes in order to effectively manage the credit portfolios.) + Builds credit transaction models utilized within defined asset class and activity and ensures adherence to model management processes (i.e., model validation, testing, maintenance) by ensuring the appropriate resources are in place to adhere to MRMG guidance. + Follows and recognizes economic, regulatory, and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy. 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. **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** Analytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk Appetite **Competencies** Analytical Thinking, Credit Risk, Operational Functions, Portfolio Management - 1, Quantitative Techniques, Risk Management Policies and Procedures **Work Experience** Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered. **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; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards (http://yourpnctotalrewards.com) . **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. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. **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. 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 (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.