The Corporate & Institutional Banking (C&IB) Early Career Development Program, Business Credit track, offers analysts exposure to the Field Examination Department within PNC Business Credit.
Analysts will work alongside a team primarily responsible for evaluating and monitoring the initial and ongoing credit quality and integrity of the collateral that secure loans.
In addition to providing an in-depth knowledge and evaluation of the collateral, the Field Examination provides a thorough understanding of the borrower’s business and reporting systems, and helps to detect fraud and financial weakness and is a customary way to confirm the quality of the borrower’s financial data, collateral assets, and internal controls. The Field Examination Report is an essential tool used to assist credit decision makers in structuring existing or proposed credit facilities.
The Business Credit Field Examination C&IB analyst will gain a conceptual understanding of the purpose for basic collateral tests, as well as the opportunity to develop the skills to solicit appropriate and thoughtful questions and to perform tasks with professional skepticism in order to progress within the business.
Field Examination due diligence procedures include, but are not limited to, the following:
Analysts act as a liaison between the relationship manager and the client in providing recommendations for implementation or improvement of collateral control or reporting procedures.
Analysts support the internal and external customer experience by providing excellent service at all times, taking accountability and ensuring problem resolution.
Analysts can expect assisting in the performance of Field Examinations on secured lending clients and complete detailed analysis of their A/R, A/P, Inventory, Cash, and Financial Statement Performance in order to help protect the bank from credit losses and properly identify risk in the Business Credit portfolio.
Additionally, analysts aid in the preparation of Field Examination Reports that reflect current collateral/loan correlations to analyze basic credit situations for review and discussion with Field Examination Managers and Relationship Managers.
Ability to travel up to 75%, and access to transportation for handling local assignments is required.
Based on business need and upon successful completion of the C&IB Early Career Development Program, graduates may have the opportunity to become a Field Exam Analyst supporting Business Credit.
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