Underwriting Associate - Commercial

Habitat For Humanity Of Durham; Deutschland; Vor Ort; EUR 33.000 - 60.000; Vollzeit

Benefits dieser Stelle

Medical & dental coverage

Vision options

401(k) with company match

Life insurance

Zusammenfassung

PNC is seeking an Underwriting Associate within the Statement Spreading organization. The role involves basic due diligence, document processing, and financial analysis to support underwriting decisions. You may work from several U.S.

locations or remotely in select areas, with a typical Monday–Friday schedule and no credit-approval authority. Responsibilities include reviewing forms, ordering reports, and inputting data into internal spreading software.

Qualifikationen

• Associates or equivalent degree; 3+ years experience preferred.
• Ability to review financial statements and perform basic analysis.
• Familiarity with underwriting concepts and documentation processing.

Aufgaben

• Under direct supervision, complete basic due diligence, document processing and financial/statistical analysis in support of the underwriting function.
• Assist in preparation of business cases for credit approval, without authority.
• Review financial statements and input data into spreading software for underwriters.
• Perform basic cash flow and collateral analysis and respond to customer inquiries.
• Support the underwriting process to ensure information accuracy and completeness.

Kenntnisse

Credit decisions

Decision making

Financial analysis

Identifying risks

Process improvements

Results-oriented

Risk assessments

Ausbildung

Associates

Jobbeschreibung

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 an Underwriting Associate within PNC’s Statement Spreading organization, you may be based in Pittsburgh, PA; Philadelphia, PA; Cleveland, OH; Cincinnati, OH; Birmingham, AL; Dallas, TX; Kalamazoo, MI; or Denver CO.

Hours for this role are Monday – Friday, 8:00 am EST – 5:00 pm EST.

In this role you will, under direct supervision, complete basic due diligence, document processing and financial/statistical analysis in support of the underwriting function. You may assist in preparation of business cases for credit approval, but you will not have credit approval authority. In addition, you will perform basic due diligence, including reviewing relevant forms, providing analysis, and ordering reports.

As an Underwriting Associate, you will assist in the underwriting process by ensuring the accuracy and/or completeness of relevant information and documents and performs basic financial analysis, such as cash flow and collateral analysis. Furthermore, you will research/respond to internal/external customer questions and inquiries.

In this role, you will receive spread requests for renewals for commercial loans or new requests via the workflow tool. You will review financial statements for accuracy and send them back to the Underwriters for correction, if any inconsistency or inaccuracy is found. In addition, you will input data into the internal spreading software, to ensure consistency for approval from Underwriters.

We seek motivated, driven and creative individuals that enjoy working as part of a team in a high energy environment which thrives on innovation and ingenuity. You will work together to create new solutions which will provide our clients with an exceptional customer experience. Valued opinions, supported by collaborative teams, impact the success of the Commercial Lending Operations organization.

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. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

• Under direct supervision, completes basic due diligence, document processing and financial/statistical analysis in support of the underwriting function. May assist in preparation of business case for credit approval, but does not have credit approval authority.


• Performs basic due diligence, including reviewing relevant forms, providing analysis and ordering reports.


• Assists in the underwriting process by ensuring the accuracy and/or completeness of relevant information and documents.


• Performs basic financial analysis, such as cash flow and collateral analysis.


• Researches/responds to internal/external customer questions and inquiries.

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


• 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

Work Experience

Roles at this level typically require an Associates or equivalent degree as well as related experience or product knowledge to accomplish primary duties. Typically requires 3+ years experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Education

Associates

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Pay Transparency

Base Salary: $37,600.00 – $68,750.00 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 07/31/2026, 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


• 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

To learn more about these and other programs, visit pncthrive.com.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at [e-mail]. Please include \"accommodation request\" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say \"Workday\" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

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.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.