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Corporate & Institutional Banking

Relationship Management & Credit Products | Development Program Details

Program Overview

The Relationship Management and Credit Products track of the Corporate & Institutional Banking (C&IB) Development Program, develops foundational credit risk management skills, while supporting experienced bankers in their engagement with PNC’s client base. The program enables analysts to explore how to grow and manage customer relationships in a variety of business segments, including:

  • Commercial Banking (Serves and advises companies with annual revenues between $5 million and $50 million through a relationship-based approach)
  • Middle Market (Serves and advises companies with annual revenues between $50 million and $1 billion through a relationship based approach)
  • Large Corporate (Serves and advises companies with annual revenue in excess of $1 billion that usually are publicly traded or have access to debt capital markets)
  • Diversified Industries Group (Serves and advises clients with industry expertise in utilities, oil & gas, metals & mining, chemicals, life sciences/pharma or food & beverage)
  • Healthcare (Serves and advises healthcare related clients including acute care, academic medical centers, specialty care, long-term care, continuing care retirement communities or assisted living)
  • Public Finance (Serves and advises local or major government entities, higher education institutions and not-for-profits)
  • Equipment Finance (Develops customized leases or loans for a client’s various equipment acquisitions including aircraft, vehicles, railcars, machinery, material handling, technology, etc. for all of the various segments listed above)
  • Credit Product Group (Structures loans, underwrites transactions, and manages a loan portfolio for all of the various segments listed above)

What to Expect During the Program

During the first 18 months in the program, analysts will receive intensive credit training in a hub market, developing analytical and risk management skills by underwriting corporate and commercial loans and assisting with portfolio management activities in order to better understand PNC core competencies. You will spend your first 18 months in both classroom and production positions to build your risk management and underwriting knowledge.

During the second 18 months in the program, analysts will enhance their credit foundation to become a critical part of the sales/relationship team which provides direct opportunity to serve, build and grow our client relationships.

In both phases, you will be a crucial member of the deal team contributing support from prospecting new clients to closing transactions.

What a Typical Day Looks Like

All Analysts will serve as members of a deal team, providing support to PNC’s Relationship Managers and Underwriters as they interact with PNC’s corporate and commercial clients.

Day to day work includes task-oriented executional items along with support of longer term strategic projects. Work flow will vary from week to week based on client and business need.

Analysts must be able to prioritize assignments to meet deadlines and be flexible to adapt as urgent needs arise

Career Opportunities

Based on business need and upon successful completion of the C&IB Development Program, graduates may have the opportunity to be an Associate Relationship Manager or Underwriter, supporting one of the following areas:

Commercial Banking, Middle Market, Large Corporate, Healthcare, Public Finance, Diversified Industries Group, or Equipment Finance.

Program Duration


Up to

36

Months


Possible Locations


Hub locations: Atlanta, Chicago, Cincinnati, Cleveland, East Brunswick, Philadelphia, Pittsburgh, Troy, Washington D.C., Woodland Park

Additional locations potentially available during post program: Baltimore, Birmingham, Charlotte, Columbus, Dallas, Ft. Lauderdale, Houston, Indianapolis, Kansas City, Milwaukee, Minneapolis, Nashville, Raleigh, St. Louis, Tampa

Note: Locations are subject to change based on business need

Preferred Areas of Study: Business relevant majors; e.g., Finance, Accounting, IT, Economics, Marketing, Mathematics, Statistics, HR, Management, Communications, Business Law, Psychology, Logistics, Engineering, Computer Science, Actuarial Sciences, Business Administration

Desired Skills: Highly motivated, results-driven, exceptional quantitative skills including the abilities to analyze data sets and apply financial and analytical theories. Competitive spirit yet the ability to work well on a team. Impressive written and verbal communication skills, adaptable, robust work ethic, with strong attention to detail.

Minimum Requirements: Bachelor’s Degree from a 4-year school or university, 3.2 GPA.

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