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. We work together each day to foster an inclusive workplace culture where all of our employees feel respected valued and have an opportunity to contribute to the companys success. As a Portfolio Analytics & Strategy Analyst Senior within PNCs Balance Sheet Analytics & Modeling Real Estate Market Analytics organization you will be based in Pittsburgh PA Cleveland OH Chicago IL Atlanta GA or Kansas City KS. This position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities can be performed remotely at managers discretion.
As a Portfolio Analytics & Strategy Analyst Senior within the Real Estate Market Analytics (REMA) group you will be responsible for vetting real estate collateral for potential and existing PNC loans prior to ordering a third-party appraisal. Emphasis is placed on prospective asset performance due to a large level of new construction lending. Analyst will cross-check forward-looking developer proformas with existing market performance using industry leading data sources such as CoStar CBRE-EA MSCI Yardi Matrix etc. and forecast future results. Forecasts include absorption (during lease-up) stabilized vacancy market rent rent growth and concessions. Analyst must have a strong understanding of how local submarket performance is impacted by both MSA/regional and national economic trends and how to forecast appropriate market supply and demand trends.
In addition to the primary real estate types (i.e. multifamily office retail & industrial) the analyst will evaluate mixed use senior housing student housing tax credit and lodging properties. While the analyst will focus largely on property level research for individual deals macro-level industry data analysis is also routinely required for review and reporting of PNC portfolio performance or for macroeconomic reviews. The analyst will serve internal customers; the ability to multi-task and communicate timely and effectively with relationship managers underwriters and credit officers is instrumental in allowing PNC to develop an accurate picture of an asset and to issue competitive term sheets to gain new business. As part of the review interviews of market experts customers brokers leasing agents and appraisers to get local views on the market are incorporated into the analysis. The analyst then writes a clear and concise summary of the supportive data and analysis for their conclusions/forecasts and presents to senior loan committee in conjunction with the deal team.
Other functions of the REMA group that the analyst may work on include criticized asset valuations reconciling appraisal findings to internal underwriting and quarterly sector studies. Appraisal brokerage real estate research urban planning macroeconomics real estate property management lending or underwriting skills are all relevant. Argus skills are not required but are helpful.
Preferred skills and experience:
Word PowerPoint Excel (Intermediate)
Strong written and verbal skills
Presentations to Senior Leadership
PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
Job Description
- Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes. Responsible for running complex business performance risk and operational analytics. May include the development of analytical methods/models to assess market credit and/or operational risk of new and existing financial products.
- Leverages business / product expertise to rigorously analyze large datasets improve risk adjusted returns deliver profitable growth and communicate conclusions. Synthesizes analytical results and develops recommends and implements business strategies that improve lending decisions assist in managing risk increase revenues reduce exposure to losses meet business goals and improve performance. Establishes baselines for strategies and tracks actual performance to expectations.
- Applies predictive models third party data and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk. Manages engagements with internal and external information suppliers ensuring solution is fit for purpose while maintaining appropriate governance and oversight.
- Works with business credit data and model development partners to design develop and monitor test designs and analytical reporting to track and enhance strategies. Designs / enhances standard reporting suites for regular product / portfolio reviews.
- Collaborates with the line of business Finance and Risk partners to assess and establish credit risk appetite and to understand its implications as well as to establish policies and procedures governing the identification monitoring and management of risk appetite.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
- 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 in creating customized customer solutions.
- Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNCs Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate appropriate knowledge skills and abilities for a role. Listed below are skills competencies work experience education and required certifications/licensures needed to be successful in this position.
Preferred Skills
Analytical Thinking Credit Risks Data Analytics Financial Analysis Model Development Operational Risks Quantitative Models Risk Appetite
Competencies
Analytical Approach Banking Products Big Data Management and Analytics Business Analytics Credit Risk Mathematics of Financial Instruments Operational Risk Performance Measurement Predictive Analytics Pricing Models and Analytics Regulatory Environment - Financial Services Risk Management Banking
Work Experience
Roles at this level typically require a university / college degree with 3 years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree a comparable combination of education job specific certification(s) and experience (including military service) may be considered.
Education
Bachelors
Certifications
No Required Certification(s)
Licenses
No Required License(s)
Pay Transparency
Base Salary: $66000.00 $135600.00
Salaries may vary based on geographic location market data and on individual skills experience and education. This role is incentive eligible with the payment based upon company business and/or individual performance.
Application Window
Generally this opening is expected to be posted for two business days from 05/20/2025 although it may be longer with business discretion.
Benefits
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your 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; a robust wellness program with financial incentives.
In addition PNC generally provides the following paid time off depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year unless otherwise required by law; between 15 to 25 vacation days each year depending on career level; and years of service.
To learn more about these and other programs including benefits for full time and part-time employees visitYour PNC Total Rewards.
Disability Accommodations Statement
If an accommodation is required to participate in the application process please contact us via email at . Please include accommodation request in the subject line title and be sure to include your name the job ID and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call and say Workday for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified persons regardless of race color sex religion national origin age sexual orientation gender identity disability veteran status or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and for any registered role the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA) which prohibit the hiring of individuals with certain criminal history.
California Residents
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