- Credit Card risk management, product or operational experience
- Portfolio Management expertise
- Ability to drive and challenge analytic solutions
- Collaborative approach to problem solving
- Knowledge of industry trends and regulatory requirements that impact Consumer Lending
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Consumer Credit Expert - Birmingham, United States - PNC
Description
Position OverviewAt 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 within PNC's Credit Risk Management organization, this position is primarily based in a location within PNC's footprint.
Responsibilities require time in the office or in the field on a regular basis. Some responsibilities can be performed remotely at manager's discretion.This position is a part of Consumer Credit Risk Management within the Independent Risk Management Organization. The role will support oversight of the Consumer Credit Card Line of Business.
The ideal candidate will possess the following experience and/or skills:
Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
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.
Analytical Thinking – Knowledge of techniques and tools that promote effective analysis and the ability to determine the root cause of organizational problems and create alternative solutions that resolve the problems in the best interest of the business.
Credit Risk – Knowledge of processes, tools, and techniques used to determine the degree of credit risk in a given transaction or customer relationship; ability to assess, rate and manage exposure to credit risk.
Operational Functions – Knowledge of major functional processes and associated operating requirements; ability to apply this knowledge appropriately to diverse situations.
Portfolio Management - 1 – Knowledge of and ability to utilize the tools, techniques, and acceptable business practices associated with managing a portfolio.
Risk Management Policies and Procedures – Knowledge of and ability to create, implement, evaluate, and enhance risk management policies and procedures.
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.
EducationBachelors
Additional Job Description
Base Salary:
Commensurate with skills and experience.
Benefits
PNC offers employees 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; maternity and parental leave; paid holidays, vacation days and occasional absence time; 401(k), pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption assistance; educational assistance and a robust wellness program with financial incentives.
To learn more about these and other programs, including benefits for part-time employees, visit > New to PNC.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 s ay "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.
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.
