Senior Loan Credit Workout Analyst – Retail Bank Operations

PNC

Senior loan workout analyst reviewing borrower hardship, income, expenses, and loss-mitigation options for PNC’s retail banking operations. Ensuring compliant servicing and minimizing bank losses.

Posted 8/4/2026full-timeMiamisburg • Ohio • 🇺🇸 United StatesSenior💰 $37,500 - $75,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit underwriting, loss mitigation, and mortgage default processes, with a strong focus on assessing risk and adhering to bank and regulatory guidelines. Proven ability to mentor team members and manage multiple priorities effectively.

Highest-signal resume keywords

Credit Underwriting ExperienceLoss Mitigation ExpertiseKnowledge of Bank GuidelinesExperience with Decisioning ToolsAttention to Detail

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit AnalysisIncome CalculationExpense CalculationRisk AssessmentRegulatory Compliance

Soft Skills

Attention to DetailMentoringCollaboration

Tools & Technologies

MSPLSSSMDUFHLMC ResolveFNMA LMS

Certifications & Qualifications

Associates DegreeJob-Specific Certifications

Industry Keywords

Mortgage DefaultLoss MitigationCredit ProcessesInvestor Guidelines

About the role

Key responsibilities & impact

Review customers' income and expenses for complex, high-risk customer groups
Determine hardship legitimacy and available workout options based on bank and investor guidelines
Assess customer qualifications to facilitate appropriate action and minimize bank losses
Review bank, investor, and regulatory guidelines to ensure accounts are serviced according to policy
Work with internal business partners to gather information and clarify inconsistent, incorrect, or missing information
Monitor assigned work queues and workflows to ensure goals are met
Use online systems to accurately document customer account information
Serve as a subject matter resource and mentor for the team

Requirements

What you’ll need

Associates or equivalent degree, or comparable combination of education, job-specific certification(s), and experience
Typically 4+ years of related business or functional experience
Attention to detail
Experience with MSP, LSS, SMDU, FHLMC Resolve, and/or FNMA LMS/SMDU decisioning tools
Credit underwriting experience, including calculating income and expenses, strongly preferred
Experience in loss mitigation or mortgage default
Knowledge of credit processes and credit analysis and verification
Knowledge of bank, investor, and regulatory guidelines
Ability to assess risk and manage multiple priorities
No employment visa sponsorship or STEM OPT participation

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 plan
Stock purchase plan
Dependent care reimbursement account
Back-up child/elder care
Adoption, surrogacy, and doula reimbursement
Educational assistance, including select programs fully paid
Robust wellness program with financial incentives
Maternity and/or parental leave
Up to 11 paid holidays each year
9 occasional absence days each year
15 to 25 vacation days each year, depending on career level