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Credit Risk Review Advisor Sr at PNC in Philadelphia, PA

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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. As a(n) Credit Risk Review Advisor Sr. within PNC's Credit Risk Review's Commercial team organization, you will be based in Philadelphia, PA.
Job Profile

  • Analyzes file review activities for assigned business segment. Executes file review assessment on moderately complex credit and credit related transactions, and demonstrates understanding of the inherent level and materiality of risk. Acts as a resource to junior staff.
  • Correlates industry, economic, regulatory and other trends in the credit cycle. Determines transference of risk and includes findings in the credit review assessment.
  • Analyzes moderately complex credit facility structures and underwriting processes within the context of credit policies. Validates scorecard risk ratings, testing and maintenance activities. Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to support decisioning. Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends.
  • Provides analytical insight and assesses the risk organization's sufficiency to identify and manage forward looking risks. Identifies risk concentrations, systemic trends or issues.
  • Completes works papers, issue tracking and follows up on exam findings. Participates in continuous monitoring for assigned portfolios.

Core Competencies

Manages Risk - Working Experience

  • Assesses and effectively manages all of the risks associated with their business objectives and activities to ensure activities are in alignment with the bank's and unit's risk appetite and risk management framework.

Customer Focus - Extensive Experience

  • Knowledge of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions, and ability to leverage that information in creating customized customer solutions.

Job Specific Competencies

Analytical Thinking - Extensive Experience

  • Knowledge of techniques and tools that promote effective analysis and the ability to determine the root cause of organizational problems and create alternative solutions that resolve the problems in the best interest of the business.

Conflict Management - Extensive Experience

  • Understanding of how to anticipate, recognize, and deal effectively with existing or potential conflicts at the individual, group, or situation level; ability to apply this understanding appropriately to diverse situations.

Organizational Governance - Extensive Experience

  • Knowledge of the processes, customs, policies, and rules affecting the way the organization is administered and controlled; ability to ensure compliance with same.

Quantitative Techniques - Working Experience

  • Knowledge of and ability to use quantitative tools and techniques to measure and analyze risks.

Regulatory Environment - Financial Services - Extensive Experience

  • Knowledge of and ability to help an organization adapt to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices.

Credit Risk - Extensive Experience

  • Knowledge of processes, tools, and techniques used to determine the degree of credit risk in a given transaction or customer relationship; ability to assess, rate and manage exposure to credit risk.

Loan Review - Extensive Experience

  • Knowledge of and ability to review a bank's loans to ensure compliance with organizational policies and standards and to identify and control risks in a loan portfolio.

Required Education and Experience

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.
EEO Statement
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
VEVRAA Federal Contractor
We Request Priority Protected Veteran and Disabled Referrals for all of our locations

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