Commercial Credit Analyst

Job Description:Commercial Credit Analyst

In the role of a Commercial Credit Analyst, you will be accountable for independently examining, preparing, and advising on credit decisions for commercial lending transactions. You will also be responsible for managing a client base, evaluating risks, and ensuring compliance with internal policies and regulatory frameworks.

Responsibilities:

• Functions with independence and holds advanced approval authority.
• Creates loan options for transactions of varying complexity, or manages a designated group of assets.
• Engages with internal and external customers, demonstrating expertise in defined asset classes.
• Assigned to lead or represent the department in special projects or assignments.
• Applies autonomous judgment to detect risks and mitigation strategies; drafts loan offerings and/or credit scoring models by assessing the creditworthiness, collateral value, and financial circumstances of loan applicants or individuals involved in the loan transaction.
• Executes credit risk management processes for the specified portfolio on a continuous basis.
• Reviews and provides feedback on the tasks executed by fellow underwriters, furnishing necessary managerial support.
• Communicates with both internal and external clients to gather information or clarify discrepancies, inaccuracies, or missing information.
• Undertakes tasks before and after approval to ensure compliance with company policies and procedures.
• Ensures identification and confirmation of all external regulatory obligations.
• Offers counsel on credit determinations or greenlights credit decisions accordingly.

Qualifications & Experience:

• It is customary for candidates to have completed a Bachelor’s degree and accumulated over 3 years of direct industry experience. Certifications are frequently seen as beneficial.
• Instead of an academic degree, an equivalent blend of educational accomplishments, certifications, and real-world experience (such as military service) may be taken under consideration.
• Critical skills for the role include making credit decisions, financial analysis, risk identification, process improvements, decision-making, risk assessments, and an orientation towards achieving results.
• Proficiencies cover accuracy and meticulousness, coaching techniques, credit assessment and validation, critical decision-making and thinking, clear and efficient communication, underwriting knowledge, managing multiple tasks, using office support tools, and handling operational functions.
• Certifications or licenses are not compulsory.

Benefits:

PNC presents a comprehensive range of perks, which cover:

• Complete medical, prescription drug, dental, and vision insurance coverage, with potential Health Savings Account (HSA) selections
• Insurance packages that cater to both employees and their family members are frequently offered by employers
• Protecting against disabilities in the short and long term
• PNC provides its employees with a 401(k) plan that includes matching contributions, a pension plan, and a stock purchase program
• Reimbursement for dependents' care expenses and arrangements for back-up child or elder care
• Receiving payment for adoption, surrogacy, and doula services
• Backing for learning initiatives, which encompasses fully paid programs
• Initiatives for well-being with financial rewards
• Included in the package is paid time off, including maternity or paternity leave, 11 holidays, 8 occasional absence days, and 15-25 vacation days depending on the employee's level within the company and how long they have been employed

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