A career in our Balance Sheet Management practice, within Financial Risk and Regulatory services, will provide you with the opportunity to help business leaders embed a proactive and dynamic risk management capability and mind set into their corporate business practices. From strategy through to implementation, we help put in place people, processes and technology so they can leverage financial risk management to identify new opportunities and pursue success as smoothly, systematically and sustainably as possible in the face of changing markets, technologies and competition. Our team provides our clients with gap assessments as well as design and implement processes to facilitate asset and liability management, funding and liquidity planning and stress testing, and capital management. You’ll help build tools that enable our clients to efficiently utilise capital and liquidity resources, consistent with regulatory expectations.

To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future.

As a Manager, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to:

• Develop new skills outside of comfort zone.
• Act to resolve issues which prevent the team working effectively.
• Coach others, recognise their strengths, and encourage them to take ownership of their personal development.
• Analyse complex ideas or proposals and build a range of meaningful recommendations.
• Use multiple sources of information including broader stakeholder views to develop solutions and recommendations.
• Address sub-standard work or work that does not meet firm's/client's expectations.
• Use data and insights to inform conclusions and support decision-making.
• Develop a point of view on key global trends, and how they impact clients.
• Manage a variety of viewpoints to build consensus and create positive outcomes for all parties.
• Simplify complex messages, highlighting and summarising key points.
• Uphold the firm's code of ethics and business conduct.

As a member of the Risk & Regulatory Advisory team, you will advise financial institutions on a broad range of credit risk management topics including, organization and governance; credit process optimization; risk rating model design, build and implementation; and Current Expected Credit Losses (CECL) process and tools. You will work on a team evaluating, designing, and implementing credit risk strategies to support our clients in effectively addressing key market challenges.

Job Requirements and Preferences:

Basic Qualifications:

Minimum Degree Required:
Bachelor Degree

Minimum Years of Experience:
6 year(s)

Preferred Qualifications:

Degree Preferred:
Master Degree

Preferred Fields of Study:
Business Administration/Management, Mathematical Statistics, Statistics, Applied Mathematics, Financial Mathematics, Mathematics, Accounting & Finance, Finance, Financial Markets, Economics and Finance, Quantitative Finance, Banking and Finance, Economics, Business Analytics

Preferred Knowledge/Skills:

Demonstrates extensive abilities and/or a proven record of success in how to lead or facilitate relevant project management or client consultations in the areas of credit-related activities and credit risk management, emphasizing a combination of the following areas:

• Leading and/or playing a significant role in commercial lending and credit process redesign initiatives, such as streamlining credit approval processes (including using robotics and / or artificial intelligence), better aligning deal team execution and delivery to client segmentation schemes, implementing credit process redesign initiatives, redesigning risk management organization or functional responsibilities, enhancing loan review processes, and/or enhancing loss mitigation/recovery processes;
• Managing credit risk processes, performing underwriting, credit analysis and assigning risk ratings, writing risk management policies;
• Possessing completion of a formal credit training program;
• Developing, applying, and validating commercial credit risk methodologies including obligor and facility risk rating (e.g., PD, LGD, EAD) models, pricing models, etc.;
• Creating and executing design and application of commercial credit risk reporting and analytics in a financial services organization;
• Utilizing Allowance for Credit Losses, including methodology, models and knowledge of US GAAP requirements 2under Current Expected Credit Losses (CECL). Knowledge of IFRS 9; and,
• Selecting, implementing and/or using commercial credit risk workflow, analytic tools - e.g., Moody's, S&P, nCino, and/or, reporting technologies - e.g., SAS, SQL, R, Python, VBA, Tableau, Oracle, IBM, et al.

Demonstrates extensive abilities and/or a proven record of success with designing and implementing process improvement solutions, leveraging PC applications including MS Office (Word, Excel, Access, PowerPoint), where applicable, including:

• Leveraging know-how of a wide range of commercial loan types, including C&I, CRE, ABL, Leasing, Project Finance, Leveraged Lending, etc.;
• Writing and delivering results to prospective clients or team members;
• Demonstrating proven abilities as a team leader by supervising teams to create an atmosphere of trust, seeking diverse views to encourage improvement and innovation, and coaching staff, including providing timely meaningful written and verbal feedback; and,
• Identifying and addressing client needs by building, maintaining, and utilizing networks of client relationships and community involvement, communicating value propositions, managing resource requirements, project workflow, budgets, billing and collections, and preparing and/or coordinating complex written and verbal materials.

At PwC, our work model includes three ways of working: virtual, in-person, and flex (a hybrid of in-person and virtual). Visit the following link to learn more: https://pwc.to/ways-we-work.

PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy.

All qualified applicants will receive consideration for employment at PwC without regard to race; creed; color; religion; national origin; sex; age; disability; sexual orientation; gender identity or expression; genetic predisposition or carrier status; veteran, marital, or citizenship status; or any other status protected by law. PwC is proud to be an affirmative action and equal opportunity employer.

For positions based in San Francisco, consideration of qualified candidates with arrest and conviction records will be in a manner consistent with the San Francisco Fair Chance Ordinance.

For positions in Albany (NY), California, Colorado, Nevada, New York City, Washington State, or Westchester County (NY), please visit the following link for pay range information: https://pwc.to/payrange-v1-advisorymanager