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 Field Exam Regional Manager within PNC's Business Credit organization, you will be based in New York City.
Job Description
- Coordinates, reviews and distributes Field Examinations and Reports on existing Borrowers, primarily within his/her assigned regions, to be utilized by the Portfolio and Credit Policy groups to make informed approval/credit decisions. Validates that the borrower is reporting collateral values and ineligibles/ reserves accurately to protect the bank from advancing funds in excess of the actual collateral value. Uses a high level of independent judgment and discretion to determine the credit quality of the collateral that is pledged to secure our loan. Independently determines what constitutes an emerging risk trend based on knowledge of the portfolio, industry and general macroeconomic environment. Identifies and elevates potential problem credit accounts, deteriorating collateral or financial situations, suspected fraudulent activity, or any other potential weaknesses which place the Bank's assets at risk.
- Reviews and distributes New Business Survey and Prefund Field Examinations Reports and supporting workpapers (documentation of all procedures performed) that (i) highlight germane findings and material variances found, conclusions reached, and related recommendations for improvement, (ii) are consistent with established credit quality control standards and with PNCBC policies and procedures. Ensures that the New Business Field Examination due diligence and related Report validates the integrity of the collateral that will be used to secure the proposed loan and that accurately identifies the credit quality of such collateral. New Business Field Examination Reports are utilized by Credit Approval Committee to determine the initial credit quality of the Collateral that will be used to secure the proposed loan in order to make informed approval/credit decisions.
- Responsible for the initial Borrowing Base Certificate (gross collateral, ineligibles, reserves, etc.), which determines the Eligible Revolver Availability on the day of funding, in addition to on-going collateral reporting requirement for the new Borrower. Ensures that the initial Borrowing Base is in compliance with credit policy and PNCBC guidelines. Validates / authorizes that the initial Borrowing Base Certificate is accurate and meets collateral / lending criteria within the confines of the deal structure and that the prospective borrower has met or will meet the minimum availability requirement as indicated in the Credit Underwriting Memo/Offering.
- Participates in meetings with the Deal Team (Field Examiners, Appraisers, Underwriters, Business Development Officers, Credit Policy Manager, and on occasion Regional Managers) and/or prospective Borrower representatives (typically the CFO, CEO and/or Controller of the company) to clarify any collateral issues/areas of concern. Participates in New Business Credit Committee approvals highlighting any and all Field Examination and/or collateral issues or concerns on prospective borrowers. Communicate and interface with the various parties associated with the New Business Engagement; including third party vendors, legal advisors, accounting firms, appraisers, and various partners such as equity sponsors and investments bankers during the course of a new business engagement.
- Coordinates New Business Survey and Prefund Field Examinations. Works with the Scheduling Coordinators to properly staff New Business Field Examinations based on Field Examination size, complexity and the individual Examiners experience level as well as to maximize the overall groups productivity and efficiency. Manages the assigned staff of Field Examination personnel and/or outsource vendors assigned to New Business Survey and Prefund Examinations.
- Ensures timely submission of all required New Business Field Examination Reports to the Credit Approvers, as well as the timely submission of Management Reports to the National Director of Field Examination. Responsible for obtaining appropriate signatures/authorizations on Field Examination Invoices and the submission of such to the appropriate personnel for processing/payment.Motivates and develops front-line leaders and staff which includes, acquiring top talent and managing performance based issues. Effectively plans, organizes, directs, analyzes and evaluates staff and processes. Connects strategy to day-to-day activities and updates the team on a regular basis.
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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.
PNC also has fundamental expectations of our people managers. As a manager of talent in PNC, you will be expected to:
- Include Intentionally - Cultivates diverse teams and inclusive workplaces to expand thinking.
- Live the Values - Role models our values with transparency and courage.
- Enable Change - Takes action to drive change and innovation that will transform our business.
- Achieve Results - Takes personal ownership to deliver results. Empowers and trusts others in decision making.
- Develop the Best - Raises the bar with every talent decision and guides the achievement of all employees and customers.
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
Budget Management, Business Administration, Corporate Finance, Credit Decisions, Financial Accounting, Financial Management, Financial Operations, Investment Strategies, Legal Operations
Competencies
Client Relationship Management, Collateral Management, Conflict Management, Financial Statement Analysis, Generally Accepted Accounting Principles (GAAP), Scheduling Work and Activities, Training And Development
Work Experience
Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry experience is typically 8+ years. At least 5 years of prior management experience is typically 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: $104,000.00 - $209,300.00
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 05/27/2025, 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; 8 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 Your PNC Total Rewards.
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.