Underwriter II - PNC PB

About the role

Works under limited supervision or independently. May have some exception and approval authority. Prepares offerings for specific transactions or in management of a portfolio as assigned and interacts with internal/external customers. May provide recommendations for credit structuring. 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. Contacts internal/external customers and other parties as appropriate to gather information and clarify inconsistent, incorrect or missing information. May include relevant pre-approval and post-approval activities. Performs or assists with the identification and/or confirmation of all external regulatory requirements. Ensures internal policies and procedures are followed. Makes recommendations on credit decisions or makes credit decisions directly as appropriate.

Responsibilities

• Prepares offerings for specific transactions or in management of a portfolio as assigned and interacts with internal/external customers.
• Provides recommendations for credit structuring using independent judgment to identify risks and mitigants.
• Analyzes credit, collateral strength, and financial worthiness of loan/transaction parties.
• Performs or assists with the identification and/or confirmation of all external regulatory requirements.
• Ensures internal policies and procedures are followed.
• Makes recommendations on credit decisions or makes credit decisions directly as appropriate.

Requirements

• 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, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Information Capture, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational Functions, Regulatory Environment - Financial Services
• Roles at this level typically require a university/college degree, with 2+ years of relevant professional experience. 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)

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, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk Assessments
• Competencies: Accuracy and Attention to Detail, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Information Capture, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational Functions, Regulatory Environment - Financial Services
• Roles at this level typically require a university/college degree, with 2+ years of relevant professional experience. 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)

Skills

• Credit Decisions
• Decision Making
• Financial Analysis
• Identifying Risks
• Process Improvements
• Results-Oriented
• Risk Assessments

Benefits

PNC offers a comprehensive range of benefits to 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; 9 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.