Business Development Officer IV Business Credit

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 Business Development Officer IV within PNCs Business Credit organization you will be based in Downers Grove IL Troy Grand Rapids or Lansing MI and will lead business development efforts across Michigan.

Candidates for this role should have a minimum of five years of banking experience with a strong background in Middle Market Asset-Based Lending (ABL) Investment Banking Restructuring Consulting or Private Credit. This role requires demonstrated success in originating and structuring complex credit transactions as well as building and maintaining referral networks.

The position offers broad visibility with senior leadership and the opportunity to influence team processes and culture. A strong preference is given to candidates with established networks in Michigan.

Key Responsibilities
Source structure and close credit-based financings including ABL private credit cash flow revolvers Term Loan A software/ARR lending broadly syndicated loans (BSL) and other senior secured products across Michigan.
Develop and maintain a robust prospect pipeline of middle market and large-cap companies headquartered in Michigan.
Build and expand sponsor relationships across the region.
Analyze and qualify new deal opportunities assess strategic and credit fit and recommend pursuit decisions.
Prepare and present screening materials credit analyses and term sheet recommendations to senior leadership.
Deliver pitch and negotiate term sheets; lead negotiations of commercial and legal terms.
Manage due diligence workstreams across underwriting legal and syndication functions.
Maintain market intelligence on sponsor activity M&A trends industry developments and competitive dynamics.
Represent PNC Business Credit at sponsor meetings conferences and industry events.
Manage pipeline and activity tracking within the CRM platform.
Prospect develop and leverage a highly engaged network of sponsors financial intermediaries business owners accountants attorneys banks and other centers of influence.

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.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

• Leads business development activities for credit-based products through active solicitation and cultivation of highly complex client relationships. Leverages a highly developed network within assigned market area. Works independently and may mentor other team members.
• Prospects maintains and leverages a highly developed network. This includes dialogues with sponsor groups financial intermediaries businesses accountants attorneys banks and additional Centers of Influence.
• Performs complex credit structuring and analyzes financial information to determine if the clients financing requirements meet PNC parameters. Manages risk/return and actively identifies and mitigates different types of risk for new clients such as regulatory reputational operational and credit risks.
• Develops comprehensive financing package structured to meet client needs drive client acceptance and deepen share of wallet.
• Coordinates credit underwriting due diligence and loan documentation with internal and external partners.

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.

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.

Account Management Asset Allocation Capital Management Credit Risk Analysis Equity Valuations Investment Banking Sales

Competitive Environment Credit Analysis and Verification Customer Experience Management. Effective Communications Financial Engineering Knowledge of Underwriting Prospecting. Selling.

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree or PhD is desirable. Industry experience is typically 8 years. Specific certifications are often lieu of a degree a comparable combination of education job specific certification(s) and experience (including military service) may be considered.

Bachelors

No Required Certification(s)

No Required License(s)

Base Salary: $154000.00 $286000.00

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.

Generally this opening is expected to be posted for two business days from 06/29/2026 although it may be longer with business discretion.

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; 9 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 visit.

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.

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.

Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.