Underwriter IV - Commercial

Underwriter IV - Commercial

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 an Underwriter IV - Commercial within PNC's Regional Credit Products Group organization, you will be based in Los Angeles or San Francisco, CA. This position is primarily based in a location within PNC's footprint.

The Underwriter IV is responsible for preparing offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. The Underwriter IV interacts with internal / external customers, provides recommendations for credit structuring, serves as a subject matter expert for certain asset classes, and may lead the department on special projects or assignments. Coaches, mentors, and assists others on best practices and processes.

Using independent judgment to identify risks and mitigants, the Underwriter IV prepares offerings and / or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan / transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and / or reviews the work of other underwriters and fills in for manager as required. Contacts internal / external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information. Performs relevant pre-approval and post-approval activities.

Identifies and / or confirms all external regulatory requirements. Ensures internal policies / procedures are followed. Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.

Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.

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.

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications / licensures needed to be successful in this position.

Preferred Skills : Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk Assessments

Competencies : Accuracy and Attention to Detail, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational Functions

Work Experience : Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. 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 : Bachelors

Certifications : No Required Certification(s)

Licenses : No Required License(s)

Pay Transparency : Base Salary : $65,000.00 $179,400.00 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.

Application Window : Generally, this opening is expected to be posted for two business days from 08 / 14 / 2025, although it may be longer with business discretion.

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; back-up child / elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility : maternity and / or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.

To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards.