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. As a Consumer Credit Specialist Sr within PNC's Retail Lending organization, you will be based in Pittsburgh, PA, Cleveland, OH, Brecksville, OH or Charlotte, NC. The position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at the manager’s discretion.

Job responsibilities:
• Creates quality assurance work plan and executes analysis tied to overarching business questions.
• Crafts sound conclusions and executable recommendations based upon quality assurance results.
• Works with multiple data sources efficiently to complete quality assurance reviews.
• Writes initial quality assurance draft report leveraging best in class technical writing skills.
• Presents final quality assurance report to business partners.

Job DescriptionAssesses 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 ensure adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.Reviews analytic activities to ensure deep understanding of portfolio issues, trends and root causes in order to effectively manage the credit portfolios.Assesses credit transaction models utilized within defined asset class and activity. Ensures adherence to model management processes, such as model validation, testing, and maintenance, by ensuring the appropriate resources are in place to adhere to guidance.Follows and recognizes economic, regulatory, and other trends affecting borrowers. Initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy. Reviews validation outputs on data produced and delivered. Ensures that work set is completed and that the right conversations are taking place to execute deliverables.

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.

CompetenciesCredit Analysis and Verification, Credit Risk, Financial Statement Analysis, Portfolio Management - 1, Problem Solving, Quantitative Techniques, Regulatory Environment - Financial Services, Risk Economics and Finance

Work ExperienceRoles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

EducationBachelors

CertificationsNo Required Certification(s)

LicensesNo 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 pncbenefits.com > New to PNC.

*For more information, please click on the following links:

Time Away from Work

PNC Full-Time Benefits Summary

PNC Part-Time Benefits Summary

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.

California Residents

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.