Consumer Credit Expert - Mortgage

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 Consumer Credit Expert - Mortgage within PNC''s Credit Risk Management organization, you will be based in Pittsburgh, PA / Charlotte, NC / Cleveland, OH / Cincinnati, OH / Dallas, TX / Washington, DC.

The Consumer Credit Expert - Mortgage provides second line of defense credit risk oversight for the mortgage business and serves as a senior subject matter expert on mortgage underwriting, portfolio performance, policy, and risk governance. This role is responsible for providing independent review and credible challenge across credit strategies, underwriting practices, product changes, exception trends, and portfolio results to help ensure alignment with risk appetite, regulatory expectations, and sound risk management practices. The director partners closely with business, underwriting, analytics, finance, operations, and risk teams to identify emerging risk, evaluate performance trends, and support well-informed credit decisions. The role also translates complex portfolio and policy issues into clear, actionable insights for senior leadership and governance forums.

Qualifications

• 8-10 years of experience in mortgage, consumer credit, credit risk, underwriting, or portfolio risk management.
• Strong knowledge of mortgage underwriting, credit policy, loss performance, and portfolio monitoring practices.
• Demonstrated ability to work across governance, regulatory, analytics, and business teams in a highly controlled environment.

Key Responsibilities

• Provide independent second line oversight of mortgage credit underwriting, policy execution, exception management, and portfolio performance.
• Review and challenge credit strategies, product changes, underwriting guidelines, and risk decisions to ensure alignment with risk appetite and control expectations.
• Monitor mortgage portfolio trends, including originations, delinquency, losses, exceptions, and concentrations, and elevate emerging issues to management as appropriate.
• Partner with analytics and reporting teams to evaluate performance, develop meaningful risk insights, and support recurring and ad hoc governance reporting.
• Support policy development, review changes to underwriting and risk frameworks, and help ensure documentation, approvals, and controls are complete and well governed.
• Communicate portfolio observations, risk themes, and recommendations clearly to senior leaders and governance forums, using sound judgment and a balanced view of risk and business impact.

Preferred Background

• Experience supporting mortgage products across underwriting, product, servicing, collections, loss mitigation, or related risk functions.
• Demonstrated success influencing decisions in a matrixed environment through expertise, clear communication, and credible challenge.
• Strong written and verbal communication skills, with the ability to distill complex mortgage credit issues for executive audiences.

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.

Job Description

• Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
• Maintains in depth knowledge of consumer credit policy and ensures adherence to policy. Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
• Monitors credit by leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics from APM, oversees follow-up, and analyzes output to inform decision - making.
• Manages and updates credit transaction models utilized within defined asset class and activity and ensures adherence to model management processes (i.e., model validation, testing, maintenance) by ensuring the appropriate resources are in place to adhere to MRMG guidance.
• Follows and recognizes economic, regulatory, and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy. Reviews validation outputs on data produced and delivered; ensures that work set is completed and that the right conversations are taking place to execute deliverables.

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

Analytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk Appetite

Competencies

Analytical Thinking, Credit Risk, Operational Functions, Portfolio Management - 1, Quantitative Techniques, Risk Management Policies and Procedures

Work Experience

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, or PhD is desirable. Industry experience is typically 8 + years. Specific certifications are often required. 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)

Pay Transparency

Base Salary: $133,000.00 - $296,400.00

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 Window

Generally, this opening is expected to be posted for two business days from 06/15/2026, although it may be longer with business discretion.

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 AccommodationRequest@pnc.com. 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 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity (EEO)

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.