Responsible for profitable business development as well as monitoring the quality of an extensive existing portfolio of companies with annual gross sales of at least $10 million with more emphasis on customers with higher revenues (i.e. $20 - $500 million). Key Responsibilities>Identify and develop profitable new client relationships by leveraging centers of influence, existing clients, & referral sources.>Develop and implement a business plan to achieve financial goals and qualitative measures.>Work with product partners (Treasury Mgmt., Capital Markets, and Wealth Mgmt etc.) to analyze, evaluate and develop a tailored relationship strategy for each client or prospect. Ensure thatcustomer relationships are managed to maximize the opportunityforthe bank, while taking into account Bank risk and customer needs.>Meet with customers on a regular basis to enhance the trusted advisor relationship and ensure business needs are being met.>Utilize consultative sells skills, commercial playbook principals and call reporting plans to enhance the client experience.>Analyze financial information provided to determine the credit request that should be pursued>Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine that any credit exposure is at an acceptable risk, and priced accordingly.

•Provide complete offerings for specialized and complex asset based lending situations that analyze financial data, assess industry and accounting issues, and evaluate loan structure to determine the creditworthiness and financial condition of clients. •Recommend credit structuring and documentation, in partnership with Credit Officer, of more complex and specialized transactions, including setting up loan structure, working with counsel, negotiating loan documents, and closing. •Coordinate the receipt and evaluate the thoroughness of collateral valuations consistent with bank standards. This includes identifying all major and most secondary credit issues, a history/background of the customer, an operations overview; customer, competitor and vendor overviews, industry overview, historical financial analysis; detailed historical and proforma cashflow analysis; projection and sensitivity analysis; borrowing base or collateral analysis; presentation of risks/ mitigants.•Actively participate in the training and development of junior underwriters, including providing initial policy and systems training, accompanying new to mid-level underwriters on Company/Site visits and review of underwriting reports while providing feedback / guidance.•Serve as point of contact for PNC Business Credit for all underwriting issues revolving around Canadian loans and AML/OFAC issues.

•Sales of credit based products by prospecting, calling & maintaining dialogues with sponsor groups, financial intermediaries, businesses and other banks to generate income and enhance overall profitability. •Credit structuring & analysis of financial information to determine if financing requirements of the borrower meets the bank’s credit parameters. •Completed prescreen, credit underwriting and loan documentation to recognize risk/return, and to insure that the bank is property protected from a legal perspective.

•Prepared and presented Business Credit’s quarterly OCC Compliance Book. This report was presented to members of the OCC, PNC Executive Management and Auditors.•Addressed OCC/audit issues as necessary, including providing written responses, working with IT to develop systems necessary to comply with OCC requirements and working with all areas of Business Credit to roll out and implement new requirements as efficiently as possible.

•Conducted field audits of secured lending clients and analyzed the customer’s collateral records and financial statements to determine accurate collateral values.•Prepared audit reports and supporting workpapers for review and discussion with relationship managers and representative loan committees. Such reports are utilized by various groups within Business Credit to analyze a customer’s credit condition and collateral reporting accuracy. •Acted as a liaison between the relationship manager and the client in providing recommendations for implementation or improvement of collateral control or reporting procedures.

•Serve as Advisor/Mentor in PNC’s Credit and Risk Management Development Program.•Participate as a mentor in the PNC’s Summer Internship Program.•Participating as Business Credit’s representative in the bank-wide development of a new customer credit management system.•Served as Business Credit’s representative for the One PNC initiative, which resulted in over $400 million in cost savings across the bank.

•Risk Management Analyst•Staff General Accountant•Electronic Banking – ATM Dispute Specialist•Check Processing