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About the Role

As a Credit Product Manager within PNC's Regional Credit Products Group organization, you will serve as a market-level credit product expert and manage a team. You will structure and advise clients on credit transactions, manage the execution of credit products, and oversee the diligence and approval process. This role involves partnering with Relationship Banking to drive revenue and managing a portfolio of borrowers.

Responsibilities

Serves as a market level credit product expert.
Direct management of a team within Credit Products.
Structures and advises clients on types of credit and credit-related transactions.
Responsible for the entire execution of credit related products.
Manages the diligence/approval process.
Negotiates 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.
Collaborates with RMs and other product partners to assess credit needs, generate ideas, and deliver integrated solutions.
Assesses industry dynamics to advise on the best solutions.
Participates in client and prospect calls.
Responsible for structuring credit transactions within the banks credit risk appetite.
Leads team through internal white boarding and diligence sessions.
Drives the internal credit approval process, loan documentation and closing.
Responsible for the direct 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

Must demonstrate appropriate knowledge, skills, and abilities for a role.

Skills

Analytical Thinking
Commercial Real Estate
Competitive Advantages
Consumer Lending
Credit Risk Management
Data Analytics
Decision Making
Financial Operations
Portfolio Risk
Risk Appetite
Client Relationship Management
Credit Analysis and Verification
Decision Making and Critical Thinking
Financial Analysis
Knowledge of Underwriting
Negotiating
Portfolio Management

Location

San Francisco, CA

Work Type

In-office

Experience Level

8+ years of industry experience
5 years of prior management experience

Education Level

University/college degree
Masters degree, PhD, or certifications is desirable
Comparable combination of education, job specific certification(s), and experience (including military service) may be considered in lieu of a degree

Salary/Compensations

Base Salary: $147,840.00 – $274,560.00
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.

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
9 occasional absence days each year
between 15 to 25 vacation days each year, depending on career level; and years of service

About the Company

For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders.
We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments.
Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work.
Being a great place to work means we are making a lasting difference for everyone we serve.
PNC’s total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more.

Equal Opportunity

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 to gain understanding of how PNC may use or disclose your personal information in our hiring practices.