Commercial Credit Director

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 the Commercial Credit Director, Real Estate Credit Risk Management organization for the Southeastern United States. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.

Coordinates and manages all activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting. Approves the extension of credit, including overdrafts, for clients of the highest complexity within prescribed approval authorities. Leads strategic discussions in committees (Credit Risk, Data Governance etc.); reviews validation outputs on data produced and delivered. Has final approval authority on an obligor's risk rating. Maintains expert knowledge on economic, regulatory, and other trends affecting borrowers and initiates relevant analyses by leveraging key analytic partners to determine potential impacts on policy and root causes in portfolio issues to effectively manage credit portfolios. Responsible for compliance with regulatory guidance. Ensures effective credit monitoring by the team leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics and analyzes output to inform decision - making. Documents and reports, until resolved, all credit exceptions and prepares various management summary reports. Directs the credit policy function and credit transaction models and collaborates with first line of defense on strategic agenda to grow business with acceptable return on capital. Responsible for adherence to policy and model management processes and monitors the performance of the function to manage expected outcomes. Directs, motivates, develops, and oversees the performance of a team of senior staff.

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.

Analytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk Appetite Competencies Conflict Management, Credit Analysis and Verification, Credit Risk, Decision Making and Critical Thinking, Financial Statement Analysis, Portfolio Management - 1, Products and Services, Risk Management Policies and Procedures Work Experience Roles at this level typically require a university / college degree and higher level education such as a Masters degree, PhD, or certifications. Industry -relevant experience is typically 8+ years. At least 5 years of prior management experience is typically required. Proven leadership experience with a large scope of responsibility is required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Pay Transparency Base Salary: $143,000.00 – $297,000.00 Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance. Application