Commercial Underwriter III - Centralized

PNC External

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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(n) position title within PNC's name of division organization, you will be based in city / state location of position .

Job Profile

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 Underwriter III within PNC's Centralized Credit Products Group, you will work remotely within Cleveland, Akron, Brecksville, Ohio areas.

In this role you will manage a portfolio of 35 commercial clients, manage exposure of up to 10 million per client, authorize loans offering up to 5 million, and collaborate and provide expertise to companies up to 100 million.

Position requires a degree in a financial related area, in-depth credit and commercial underwriting experience and strong organizational and interpersonal skills. Job Description

Works independently with little or no oversight. Exercises exception and elevated approval authority. Prepares loan offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned.

Interacts with internal / external customers. Serves as a subject matter expert for certain asset classes, and may represent or lead the department on special projects or assignments.

Using independent judgment to identify risks and mitigants, 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. May coach and / or review the work of other underwriters and fill 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 3+ years of relevant / direct industry experience.

Certifications are often desired. 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.

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 needed to be successful in this position.

Preferred Skills Credit Decisions, Customer Needs, 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 3+ years of relevant / direct industry experience.

Certifications are often desired. 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) 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 pncbenefits.com >

New to PNC.

Disability Accommodations Statement

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity (EEO)

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

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