[Hiring] Underwriter IV @PNC
Role Description As a Underwriter IV within PNC's Dealer Finance organization, you will be based remotely in Indiana. This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs.
- Works independently with little or no oversight.
- Exercises exception and elevated approval authority.
- Prepares offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned.
- Interacts with internal/external customers.
- Provides recommendations for credit structuring.
- Serves as subject matter expert for certain asset classes.
- Serves as a coach, work lead and trainer for the group.
- Uses independent judgment to identify risks and mitigates, 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.
- May perform 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.
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
- Credit Decisions
- Decision Making
- Financial Analysis
- Identifying Risks
- Process Improvements
- Results-Oriented
- Risk Assessments
Requirements
- 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.
Benefits
- 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
- 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
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