Franchise Credit Analyst

Job Description for Franchise Credit Analyst:

As a Franchise Credit Analyst, your duties include autonomously evaluating, preparing, and recommending credit decisions for commercial lending deals. You will also manage a client portfolio, assess risk factors, and ensure adherence to internal policies and regulatory guidelines.

Benefits:

PNC provides a full spectrum of benefits, such as:

• Holistic health care plans including medical treatments, prescription drug benefits, dental coverage, and vision care, along with the option of HSA inclusions
• Employers commonly extend insurance benefits to cover not only employees but also their families
• Short- and long-term safeguarding from disability
• PNC offers a combination of a 401(k) plan with a match, a pension fund, and stock purchase options as part of its employee benefits program
• Financial aid for caring for dependents and temporary assistance for child or elder care arrangements
• Refunding expenses for adoption, surrogacy, and doula aid
• Educational aid, which consists of select fully paid programs
• Financially motivated wellness programs
• The benefits package consists of paid leave options like maternity/paternity leave, up to 11 holidays, 8 days for unplanned absences, and 15-25 vacation days that are influenced by the employee's career level and period of service

Responsibilities:

• Demonstrates self-sufficiency and possesses elevated decision-making authority.
• Prepares loan proposals for all types of deals, irrespective of their complexity, or supervises a specific investment portfolio.
• Acts as a subject matter expert in specific asset classes, interacting with both internal and external clients.
• Given the responsibility of spearheading special projects or assignments within the department.
• Exercises independent judgment to evaluate risks and potential mitigation approaches; formulates loan presentations and/or scoring mechanisms by scrutinizing the creditworthiness, collateral assets, and financial status of borrowers or entities participating in the loan process.
• Manages credit risk on an ongoing basis for the designated portfolio as required.
• Coaches and evaluates the efforts of other underwriters, supplying managerial assistance when needed.
• Reaches out to internal and external clients to gather information or rectify inconsistencies, errors, or omissions.
• Performs pre-approval and post-approval duties to verify adherence to internal protocols.
• Validates and confirms alignment with external regulatory standards.
• Provides input on credit choices or approves credit selections as needed.

Qualifications & Experience:

• The usual requirements include a Bachelor’s degree and a minimum of 3 years of relevant industry experience. It is common for candidates to hold certifications.
• In place of a diploma, a related mix of education, certifications, and practical expertise (which could entail military service) might be seen as suitable.
• It is vital to possess skills in making credit decisions, conducting financial analysis, identifying risks, improving processes, making decisions, evaluating risks, and focusing on achieving results.
• Key skills encompass attention to accuracy and detail, coaching others, analysis and verification of credit, critical thinking and decision-making, effective communication, knowledge of underwriting practices, prioritizing multiple tasks, utilizing office tools, and performing operational functions.
• Formal certifications or licenses are not obligatory.