Franchise Finance Analyst

Job Summary for Franchise Finance Analyst

The role of a Franchise Finance Analyst entails independently assessing, preparing, and suggesting credit determinations for commercial borrowing transactions. Additionally, you will oversee a portfolio of clients, evaluate risk levels, and ensure compliance with internal protocols and legal requirements.

Responsibilities

• Works without constant supervision and exercises increased approval discretion.
• Generates loan options for various transactions, regardless of their complexity, or oversees a designated portfolio of investments.
• Interacts with inside and outside customers, providing specialized knowledge in certain asset categories.
• Duties may include representing the department in special projects or assignments.
• Applies independent analysis in identifying risks and devising strategies for risk reduction; prepares loan packages and/or scoring assessments by evaluating the credit profile, collateral value, and financial health of loan applicants or parties involved in the lending agreement.
• Implements credit risk management strategies for the assigned portfolio when necessary.
• Guides and assesses the tasks performed by other underwriters, extending necessary managerial support.
• Contacts both internal and external customers to gather information or clarify discrepancies, inaccuracies, or missing details.
• Carries out pre-approval and post-approval tasks, following internal policies and procedures.
• Affirms and establishes compliance with external regulatory necessities.
• Proposes credit decisions or directly sanctions credit determinations when applicable.

Qualifications & Experience

• Typically, a Bachelor’s degree is necessary along with 3+ years of relevant industry experience. Possessing certifications is often preferred.
• Rather than a traditional degree, a similar assortment of educational achievements, certifications, and hands-on experience (such as military training) may be deemed appropriate.
• Requisite skills include the ability to make credit decisions, analyze financial information, identify risks, improve processes, make decisions, assess risks, and demonstrate a results-driven mindset.
• Expertise includes precision and attention to detail, coaching and mentoring skills, credit analysis and verification, decision-making and critical reasoning, effective communication abilities, underwriting knowledge, handling multiple priorities, proficient use of office support tools, and executing operational functions.
• There is no mandate for certifications or licenses.

Benefits

PNC offers a wide scope of benefits, including

• Coverage for medical expenses, prescription drugs, dental care, and vision services, with the added benefit of Health Savings Account (HSA) possibilities
• Insurance options that take into account both employees and their dependents are usually provided by employers
• Safeguarding from disabilities in the short and long term
• Employees at PNC can take advantage of a 401(k) program with matched contributions, a pension option, and the opportunity to invest in company stocks
• Covering costs related to dependent care and providing solutions for temporary child or elder care needs
• Providing compensation for adoption, surrogacy, and doula expenses
• Assistance for educational needs, including coverage for specific programs
• Wellness strategies incorporating monetary benefits
• Employees are entitled to paid time off, which encompasses maternity and parental leave, 11 public holidays, 8 days for random absences, and 15-25 vacation days, varying based on their career level and years of service