Job Details

Sr. Business Development Officer – Tech, Cash Flow, Asset‑Based Lending

Join to apply for the Sr. Business Development Officer – Tech, Cash Flow, Asset‑Based Lending role at PNC.

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 company's success. As a Sr. BDO within PNC's Business Credit organization, you will be based in San Francisco, CA.

Job ID: R205067.

Job Description

• 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 client's 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.

Employee Expectations

• 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 PNC's Enterprise Risk Management Framework.

Qualifications

Preferred Skills: Account Management, Asset Allocation, Capital Management, Credit Risk Analysis, Equity Valuations, Investment Banking, Sales.

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

Work Experience: 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 required. In lieu of a degree, a comparable combination of education, job‑specific certification(s), and experience (including military service) may be considered.

Education: Bachelor's degree.

Certifications: None required.

Licenses: None required.

Pay Transparency

Base Salary: $130,000.00 – $321,750.00. 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.

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; backup child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.

Paid time off: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year (unless otherwise required by law); 15–25 vacation days each year (depending on career level); and years of service.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact ...@pnc.com. Please include “accommodation request” in the subject line, and be sure to include your name, the job ID, and your preferred method of contact. Applicants may also call 877‑968‑7762 and say “Workday” for accommodation assistance.

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

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.