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. As a Relationship Manager III within PNC’s Financial Services UK Limited, within PNC Business Credit organization, you will be based in Haywards Heath, UK.
This position will reside in the United Kingdom and PNC will not assist with relocation or sponsorship of non-local candidates.
PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.
Responsibilities
- Set relationship strategies and direct relationship management activities with existing clients to ensure client retention, risk management and revenue growth.
- Work independently and may mentor other team members.
- Handle the origination, negotiation and documentation of credit and non-credit products and services with high levels of complexity.
- Prepare approval documents using independent judgment to identify risks and mitigants and analyze credit, collateral strength, and financial worthiness of loan/transaction parties.
- Manage risk/return and drive quality for existing clients, actively identifying and mitigating regulatory, reputational, operational and credit risks.
- Expand and retain client relationships to generate revenue and deepen share of wallet.
- Provide client retention strategies by offering ideas and insights based on an in-depth understanding of the client’s needs and their financial well‑being.
- Increase client engagement and loyalty.
- Leverage an established and effective network of internal and external relationships to enhance the client experience.
- Present the full range of PNC’s products and services to clients.
- Negotiate workout options with customers to reduce risks and losses under applicable oversight.
- Work with internal and external business partners and borrowers to better secure collateral coverage.
Key Behaviors and Values
- 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 to create customized customer solutions.
- Managing Risk – Accurately 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.
Qualifications
- University or college degree required; higher level education such as a Masters, PhD, or certifications is desirable.
- Industry‑relevant experience typically 8+ years; specific certifications often required, but in lieu of a degree, a comparable combination of education, job‑specific certification(s), and experience (including military service) may be considered.
- Preferred Skills: Book of Business, Client Relationship Building, Credit Processes, Credit Products, Customer Engagement, Decision Making, Financial Analysis, Identifying Sales Opportunities.
- Competencies: Accuracy and Attention to Detail, Business Acumen, Collateral Management, Credit Analysis and Verification, Customer Experience Management, Effective Communications, Financial Engineering, Regulatory Environment – Financial Services.
- Languages, certificates, and licenses: No required certifications or licenses.
Benefits
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on 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; and a robust wellness program with financial incentives.
Paid time off may include maternity and/or parental leave; up to 11 paid holidays each year; and 9 occasional absence days each year.
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