Commercial Asset Associate (Small Business Administration Claims Specialist)

Job description

Position Overview 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 Commercial Asset Associate (Small Business Administration Claims Specialist) within PNC's Commercial Asset Team (CAT) organization, you will be based in Indianapolis, IN. The SBA Specialist serves as the primary point of contact between the Bank and the Small Business Administration (SBA), managing delinquent and liquidating SBA loans to ensure compliance, accurate reporting, and preservation of loan guarantees. This role oversees the SBA guarantee purchase process, works closely with relationship managers and the SBA to maximize recoveries, and supports loans through liquidation and charge-off. The specialist also maintains detailed tracking and reporting of all submitted and purchased loans, ensuring timely follow-up, payment application, and adherence to SBA requirements. Key Responsibilities: Manage delinquent SBA loans, maintain SBA reporting and records, process liquidation activities, and serve as the primary SBA liaison. Prepare and submit SBA guarantee purchase packages, research supporting documentation, negotiate guarantee purchases, and coordinate loan charge-off activities. Maintain expertise in SBA lending programs, servicing requirements, liquidation procedures, SOP guidelines, and bankruptcy processes. Track loan activity from submission through final resolution, monitor outstanding SBA payments, and ensure accurate internal reporting and compliance. 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. Job Description • Administers small-level-risk to mid-level-risk transactions for clients with the goal of minimizing losses and optimizing resolutions. • Gathers financial data, prepares analysis and develops workout strategy and alternatives for a portfolio. Reviews relevant documents and transaction deal structure. • Negotiates workout options with customers to reduce risks and losses. Works with internal and external business partners and borrowers to better secure collateral coverage. Adheres to established policies, procedures and regulations. • Evaluates an asset or the customer's cash flow, balance sheet, long-term business plans and other relevant financial information. • Works with internal and external business partners on negotiations and documentation to mitigate risk. 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 PNC's Enterprise Risk Management Framework. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures</sp