As a C&IB Associate Relationship Manager at PNC, you'll be involved in various banking activities including underwriting, relationship management, and analyzing client needs to develop customized financial solutions. You'll manage risks and interact with clients to strengthen relationships and drive revenue. Your analytical skills will be essential in helping prepare offerings and ensuring compliance with regulatory requirements, making this role integral to our Corporate Banking Healthcare organization.

To excel as a C&IB Associate Relationship Manager at PNC, candidates typically need a bachelor's degree paired with at least 2 years of relevant professional experience. Skills in client relationship building, credit risk analysis, and financial modeling are crucial. Although formal credit training and healthcare experience are preferred, we consider diverse backgrounds, focusing on your ability to engage with clients effectively and manage risks.

At PNC, we emphasize continuous learning and professional development. As a C&IB Associate Relationship Manager, you'll participate in formal and social learning opportunities, including mentoring relationships and community outreach. Training programs will enhance your skills in credit risk evaluation, client engagement, and sales, setting a solid foundation for your success in Corporate Banking Healthcare.

In the role of C&IB Associate Relationship Manager at PNC, certain licenses are required to be obtained within your first 180 days of employment. This includes the SIE, Series 52, and Series 63 for Public Finance & Healthcare sectors. These certifications help in ensuring compliance with regulatory standards and reveal PNC’s commitment to professional integrity and excellence.

PNC is dedicated to promoting a healthy work-life balance for our C&IB Associate Relationship Managers. We offer flexible working arrangements, along with competitive paid time off, including vacation days, leave for maternity and parental care, and holidays. Our comprehensive benefits package is designed to cater to your needs both professionally and personally, ensuring you feel supported throughout your journey with PNC.

In managing client relationships, I prioritize open communication and understanding individual client needs. I believe in regular follow-ups to ensure satisfaction and address any concerns promptly. Utilizing a proactive approach, I tailor solutions to enhance their experience and promote loyalty, which is paramount in the Corporate Banking Healthcare sector at PNC.

Absolutely! In my previous role, I encountered a client with rapidly changing financial circumstances. I conducted an in-depth analysis of their credit profile and proposed a revised lending strategy that minimized the risk exposure. This involved regular monitoring of their financial health and adjustments to accommodate their needs, ultimately safeguarding both client and bank interests.

Prioritizing tasks is crucial in my role. I usually categorize accounts based on urgency and importance, leveraging a task management system to track deadlines. By allocating time blocks for specific client needs and regularly reassessing priorities, I ensure all clients receive the attention they require while maintaining productivity.

Analytical thinking is central to the C&IB Associate Relationship Manager role. It enables me to assess client data comprehensively and make informed decisions relating to underwriting and risk management. My analytical skills facilitate the identification of trends and potential issues, allowing me to proactively propose solutions that benefit our clients and the bank.

In my experience, I once had to explain a complex derivative product to a client who wasn't very financially savvy. I approached it by breaking down the concept into simpler terms and using relatable examples. Visual aids helped clarify the concept further, making them more comfortable with the decision. It’s vital to adjust communication based on client familiarity with financial jargon.

I keep abreast of industry trends by subscribing to financial publications, attending webinars, and participating in networking events. Engaging with peers and mentors within the banking community also provides valuable insights. This continuous learning approach ensures that I remain equipped with knowledge applicable to my role at PNC.

To engage clients effectively when proposing solutions, I focus on needs-based selling. I begin by listening attentively to their concerns and objectives, followed by presenting tailored solutions aligned with their goals. Utilizing storytelling techniques and demonstrating past success can also significantly enhance client engagement and trust.

Certainly! I once worked with a healthcare provider whose revenue structure was growing complicated. By conducting comprehensive interviews and analyses, I identified their need for streamlined cash flow management. I proposed a combination of credit products and financial advisory services, which were implemented successfully, increasing their operational efficiency.

Handling difficult clients requires a blend of empathy and assertiveness. I listen actively to their concerns and validate their feelings, which often de-escalates tensions. I then clearly outline realistic solutions and next steps, ensuring that I maintain professionalism and demonstrate PNC’s commitment to customer satisfaction.

The key skills necessary for success as a C&IB Associate Relationship Manager at PNC include strong analytical abilities, excellent communication skills, and a proactive approach to relationship management. Furthermore, having a deep understanding of risk assessment and the regulatory environment will also enhance my effectiveness in this role, allowing clients to trust in our solutions.