Credit Product Specialist – Financial Institution Group, Diversified Financial Institutions

PNC

Credit Product Specialist in PNC's Regional Credit Products Group advising financial institution clients. Structuring credit transactions and managing borrower portfolios.

Posted 6/18/2026full-timeDallas • New Jersey, Pennsylvania, Texas • 🇺🇸 United StatesSeniorLead💰 $112,000 - $249,600 per yearWebsite

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Hard Skills

Credit Risk ManagementData AnalyticsFinancial AnalysisCredit Analysis and VerificationPortfolio ManagementConsumer LendingCommercial Real EstateNegotiatingFinancial OperationsRisk Appetite

Soft Skills

Analytical ThinkingDecision MakingEffective CommunicationsClient Relationship ManagementCritical ThinkingMentoringTeam ManagementCollaborationProblem SolvingLeadership

Certifications & Qualifications

University/college degreeMasters degreePhDJob specific certification(s)

Industry Keywords

Credit productsPortfolio RiskDiligence processCredit transactionsRisk profileIntegrated solutionsBankingLoan documentationCredit processRevenue generation

About the role

Key responsibilities & impact

Serves as a market level credit product expert
Structures and advises clients on various types of credit and credit-related transactions to meet clients needs while staying within the Bank's risk profile
Responsible for the entire execution of credit related products and all other credit products including but not limited to ACH, FX, EF and Derivatives
Manages the diligence/approval process and negotiate all legal documents and closing
Partners effectively with the Relationship Banking team to help identify and drive revenue through credit products
Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and on-going communication with the clients
Collaborates with RMs and other product partners (i.e. TM, FX, DCM) to assess credit needs generate ideas and deliver integrated solutions
Able to assess industry dynamics to advise on the best solutions
Participates in client and prospect calls in conjunction with the RMs
Responsible for structuring credit transactions within the Banks credit risk appetite
Leads internal white boarding and diligence sessions to assess viable solutions
Drives the internal credit approval process, loan documentation and closing
Responsible for the indirect management of a team of employees to handle all aspects of the credit process
Plays a key role in training, mentoring and developing junior talent

Requirements

What you’ll need

Analytical Thinking
Commercial Real Estate
Competitive Advantages
Consumer Lending
Credit Risk Management
Data Analytics
Decision Making
Financial Operations
Portfolio Risk
Risk Appetite
Client Relationship Management
Credit Analysis and Verification
Decision Making and Critical Thinking
Effective Communications
Financial Analysis
Knowledge of Underwriting
Negotiating
Portfolio Management
8+ years of industry relevant experience
University/college degree
Higher level education such as a Masters degree, PhD, or certifications is desirable
In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered

Benefits

Comp & perks

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
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