PNC · 3 months ago
Field Exam Analyst - Business Credit
CA - Pasadena (91101)
Full-time
Hybrid
Entry Level
$41K/yr - $102K/yr
1+ years expPNC is a leading financial services company dedicated to delivering the best experience for its customers. They are seeking a Field Exam Analyst within their Business Credit organization to lead field examinations, perform independent analyses of collateral records, and prepare detailed reports to assess creditworthiness. The role involves communication with various stakeholders to address collateral issues and ensure compliance with loan terms.
BankingFinanceFinancial Services
No H1B
Responsibilities
Leads less complex Field Examinations on existing and prospective borrowers and assists on Field Examinations led by other examiners. Examinations can take place fully onsite at Borrower locations or in a hybrid on-site/remote environment
Performs independent analysis on existing Borrower's collateral records and financial reports to determine / assess collateral values that secure loans and to identify and highlight areas of collateral weakness or deterioration. Evaluates accounting system controls, data integrity, managerial control oversight and borrowers accounting personnel
Prepares Field Examination reports and supporting workpapers that (i) highlight germane findings and material variances found, conclusions reached, and related recommendations for improvement if necessary. Such reports are utilized by Portfolio Management to confirm the credit worthiness of the collateral securing the loan and to make informed credit decisions
Communicates and escalates significant exam findings, concerns, delays, or borrower limitations to lending and credit personnel. Makes recommendations as it relates to the collateral supporting the loan and/or issues and concerns that are raised during the Field Exam due diligence process. Participates in meetings with the Relationship Manager and/or existing Borrower’s representatives (typically the CFO, CEO and/or Controller of the company) to discuss any collateral issues/areas of concern
Confirms proper reporting of collateral on the Borrowing Base Certificates. Ensures that the Borrowing Base is in-compliance and being managed per the terms and conditions stipulated in the Loan Approval
When leading an Examination, manages the due diligence process and directs the daily progress of field work performed by the other Field Examiners assigned to the Examination to ensure all assignments and duties are completed in an accurate and timely manner
Qualification
Required
Familiarity with corporate accounting through coursework and/or job experience
Advanced Excel skills
Some experience in Asset Based Lending (ABL) Field Exam is a bonus
Leads less complex Field Examinations on existing and prospective borrowers and assists on Field Examinations led by other examiners
Performs independent analysis on existing Borrower's collateral records and financial reports to determine / assess collateral values that secure loans and to identify and highlight areas of collateral weakness or deterioration
Evaluates accounting system controls, data integrity, managerial control oversight and borrowers accounting personnel
Prepares Field Examination reports and supporting workpapers that highlight germane findings and material variances found, conclusions reached, and related recommendations for improvement if necessary
Communicates and escalates significant exam findings, concerns, delays, or borrower limitations to lending and credit personnel
Makes recommendations as it relates to the collateral supporting the loan and/or issues and concerns that are raised during the Field Exam due diligence process
Participates in meetings with the Relationship Manager and/or existing Borrower's representatives to discuss any collateral issues/areas of concern
Confirms proper reporting of collateral on the Borrowing Base Certificates
Ensures that the Borrowing Base is in-compliance and being managed per the terms and conditions stipulated in the Loan Approval
When leading an Examination, manages the due diligence process and directs the daily progress of field work performed by the other Field Examiners assigned to the Examination to ensure all assignments and duties are completed in an accurate and timely manner
Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions
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
Roles at this level typically require a university / college degree with < 1 year of professional experience and/or successful completion of a formal development program
In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered
Bachelors
Preferred
Budget Management
Business Administration
Corporate Finance
Credit Decisions
Financial Accounting
Financial Management
Financial Operations
Investment Strategies
Legal Operations
Accuracy and Attention to Detail
Collateral Management
Conflict Management
Data Gathering and Reporting
Effective Communications
Financial Statement Analysis
Flexibility and Adaptability
Generally Accepted Accounting Principles (GAAP)
Managing Multiple Priorities
Problem Solving
Benefits
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
Company
PNC
PNC is a financial service company providing bank deposits products and services to its community.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1975-11-17IPO
Leadership Team
Keith Hayes
SVP, PNC Aviation Finance
M
Michael Gaber
Senior Vice President - Originations
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