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 Commercial Credit Expert within PNC's Corporate & Commercial Banking organization, you will be based in Denver CO, Portland OR, San Francisco CA or Bellevue WA.
This role will act as a culture carrier to many early career or new to PNC employees in the West. They will provide leadership and guidance in alignment with PNC Leadership Standards on PNC risk appetite and client selectivity. They will also support underwriting teams in portfolio management to ensure good client experience.
Growth minded - West markets of California, Colorado, Oregon, Utah and Washington are comprised of a different industry mix versus PNC's other markets. Supporting growth includes considering and expanding our exposure to industries that PNC may have less familiarity with today. This role will need to coordinate with 1LOD and IRM leadership to ensure appropriate strategies are established, measured, and monitored over time.
Preferred Qualifications:
8+ years of experience in underwriting or credit, preferably within a leadership role.
Strong written and verbal communication skills, as well as the ability to collaborate effectively with partners within the organization.
Independent thinking skills with the ability to demonstrate strong leadership.
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
Analyzes activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
Analyzes the extension of credit, including overdrafts, for clients of high complexity within prescribed approval authorities. Has final approval authority on an obligor's risk rating.
Analyzes credit facility structure and underwriting process within the @context of credit policies. Supports scorecard related validation, testing and maintenance activities.
Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively. Analyzes output to help determine decision-making.
Analyzes risk in assigned credit portfolios by reviewing relevant reporting and assessing trends. Maintains knowledge of economic, regulatory and other trends affecting borrowers and helps incorporate this information into the assessment of the borrowers.
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
Conflict Management, Credit Analysis and Verification, Credit Risk, Decision Making and Critical Thinking, Financial Statement Analysis, Portfolio Management - 1, Products and Services, 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: $100,000.00 - $261,950.00
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 03/25/2026, 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 (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\CCPA\Privacy\Disclosure\Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
