Relationship Manager I - Business Credit

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 Relationship Manager I within PNC's Business Credit organization, you will be based in Philadelphia, PA.

As part of PNC's Asset Based Lending (ABL) team, this role manages a portfolio of commercial lending relationships and serves as a key client-facing representative throughout the credit process. The Relationship Manager is responsible for delivering a high level of service, coordinating amendments and renewals, and applying strong financial and credit analysis skills to support sound credit decisions and ongoing portfolio performance. Credit training or prior credit experience is highly valued.

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.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

About the role

• Handles relationship management activities with existing clients to ensure client retention, risk management and revenue growth. Typically works with clients with basic levels of risk and complexity of needs. Generally works with higher degree of supervision.
• With significant oversight and direction, handles the origination, negotiation and documentation of credit and non-credit products and services. Prepares approval documents to identify risks and mitigants, analyze credit, collateral strength, and financial worthiness of loan/transaction parties with guidance from others. Works with manager to effectively manage risk/return and drive quality for existing clients, actively identifying and mitigating different types of risk, such as regulatory, reputational, operational and credit risks.
• With direction, expands and retains client relationships to generate revenue and deepen share of wallet. Focuses on client retention strategies by working with their manager to provide ideas and insights based on a growing understanding of the client's needs and financial well-being. Focuses on increasing client engagement and loyalty.
• Begins to build an effective network of internal and external, such as community and industry, relationships to enhance the client experience. Focuses on bringing entire bank to the client by working to learn, understand, and present the full range of PNC's products and services.
• With significant oversight and direction as applicable, negotiates workout options with customers to reduce risks and losses. Works with internal and external business partners and borrowers to better secure collateral coverage.

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.

Preferred Skills

Book Of Business, Client Relationship Building, Credit Processes, Credit Products, Customer Engagement, Decision Making, Financial Analysis, Identifying Sales Opportunities

Competencies

Accuracy and Attention to Detail, Business Acumen, Collateral Management, Credit Analysis and Verification, Customer Experience Management., Effective Communications, Financial Engineering, Regulatory Environment - Financial Services

Work Experience

• Roles 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.

• Education
• Bachelors
• Certifications
• No Required Certification(s)
• Licenses
• No Required License(s)
• Language Assessments
• No Required or Preferred Language Assessments

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; 9 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 pncthrive.com.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at. 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 and say "Workday" for accommodation assistance.