Credit Product Specialist

About the position

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 Regional Credit Products Group organization, you will be based in Nashville, TN. This position is primarily based in a location within PNC's footprint.

Responsibilities

• 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 products.
• 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.
• 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 talent.

Requirements

• 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, job specific certification(s), and experience (including military service) may be considered.

Nice-to-haves

• Analytical Thinking
• Commercial Real Estate
• Competitive Advantages
• Consumer Lending
• Credit Risk Management
• Data Analytics
• Decision Making
• Financial Operations
• Portfolio Risk
• Risk Appetite

Benefits

• 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
• Maternity and/or parental leave
• Up to 11 paid holidays each year
• 8 occasional absence days each year
• Between 15 to 25 vacation days each year, depending on career level and years of service