Credit Officer I - Centralized Commercial Credit - New Money

Description As an employee of PNC Financial Services Group, you become part of an organization committed to customers, employees, investors, and the communities in which we do business. PNC is an established, growing and successful financial services company, with businesses organized around retail and commercial banking, asset management, and funds processing. Our branches are concentrated in thirteen states and the District of Columbia; additional offices are located nationwide and internationally. We are growing in size and through recent acquisitions have become the fifth largest bank by deposits in the US. We are also growing in reputation, as a leader in areas such as work/life family culture, "green" building design, frontier technology, and strong corporate social responsibility.

As a Credit Officer at PNC, you will joining PNC's Credit Risk Management group which sets the standards by which PNC makes and delivers borrowing decisions for its many varied customers. You will be working with a customer base which includes a broad range of companies ranging from small privately held enterprises to the largest publicly held companies. Since PNC has a predominate focus on the Middle Market, you will be supporting a broad range of industries, including manufacturers, distributors, service companies, real estate, asset based lending, non-for profits, healthcare, energy, metals and mining to highlight a few. You will be joining a team of seasoned credit risk professionals managing our credit risk, utilizing sophisticated credit strategies and top quality research.

In a typical day you will work on client teams within an assigned portfolio to deliver ideas, advice and solutions that help our clients achieve their goals. Your principal focus on this team will be to utilize your analytical skills, experience and judgment along with your knowledge of PNC's Credit Risk Management and underwriting requirements to determine and gather the information necessary to evaluate the credit worthiness and financial conditions of borrowers in accordance with PNC Bank's standards. In this position, you will interact directly with clients as well as product specialists across PNC. You will also review financial statements such as balance sheets, income statements and cash flow statements to evaluate the overall strengths and weaknesses of the borrower. Based on your analysis, you will help structure borrower solutions, coordinate the documentation of these loans and make recommendations for risk rating the clients within your assigned portfolio. As your knowledge of credit risk continues to grow, you may assist or have primary responsibility for overall management of an assigned portfolio of corporate credits, including ongoing monitoring and assessment of the credit worthiness of individual customers and the underwriting, structuring and documenting of clients within the assigned portfolio.

The successful candidate will have the following qualifications:

Must posses highly advanced credit analysis skills.

Ability to effectively use personal computers and various applications including Microsoft office and Lotus Notes.

Demonstrated analytical skills.

Well-developed written and oral communication skills.

Enjoy working in a team environment.

Must be self-motivated and posses proficient time management skills.

4-6 years of experience participating in commercial lending or credit activities.

Bachelor's degree in Business, Finance or Accounting.

MBA, CPA, CFA or other advanced degree preferred.

PNC is committed to offering you a comprehensive and competitive benefits package. We design our full time and part time benefits programs based on PNC's benefits philosophy to provide quality levels of coverage at affordable costs over the long term for both employees and PNC. We strive to balance the cost of providing competitive benefits with the need to cover employees with a wide range of protection during and after employment.

Options you may be able to consider include:

Medical and Dental Coverage

Life Insurance

Part Time Benefits

Education Assistance

Paid Training

Paid Vacation

Competitive Pay

Shift Differential

401(k)

Flexible Schedules

Growth Opportunity

Work/Life Balance

PNC is an Equal Employment Opportunity/Affirmative Action Employer -- M/F/D/V/SO

Qualifications