Underwriter I - Agency

3M HEALTHCARE; Dallas (TX); On-site; USD 42,550 - 112,450; Full time

Benefits offered by this job

Medical coverage

Dental and vision

401(k) with match

Pension and stock purchase plans

Job summary

PNC is seeking an Underwriter I - Agency in its Multi-Family Capital group, based in Dallas, TX or Calabasas, CA. The role involves applying independent judgment to assess credit risk, analyze loan collateral, and prepare loan offerings using scorecards.

You will support credit structuring, may assist with pre- or post-approval activities, and interact with customers. A bachelor’s degree is typically required with less than one year of experience; exceptions possible for related certifications

Qualifications

• Bachelor's degree + <1 year of professional experience or completion of a formal development program.
• In lieu of a degree, a comparable combination of education, job-specific certification(s), and experience may be considered.
• Knowledge of credit analysis and underwriting principles and regulatory considerations.

Responsibilities

• Analyze credit, collateral strength and financial worthiness to prepare and recommend loan offerings based on scorecards.
• Provide recommendations for credit structuring and risk mitigants.
• May include relevant pre-approval and post-approval activities and interaction with customers.

Skills

Credit Decisions

Decision Making

Financial Analysis

Identifying Risks

Process Improvements

Results-Oriented

Risk Assessments

Education

Bachelor's degree

Job description

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 Underwriter I - Agency within PNC’s Multi‑Family Capital organization, you will be based in either Dallas, TX or Calabasas, CA. Other PNC locations may be considered. PNC is an in‑office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

Works under supervision or independently. Using independent judgement to identify risks and mitigants, prepares and effectively recommends loan offerings based on scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties, and may also have limited approval and/or exception authority. Performs or assists in the preparation of offerings for specific transactions or in management of a portfolio and interacts with internal/external customers.

Provides recommendations for credit structuring. Using independent judgement to identify risks and mitigants, prepares and effectively recommends loan offerings based on 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. Knowledge of IRS Code Section 42 and 47, equity structures and documentation, market research (including onsite inspections and market comp analysis), and 3rd party or external guidelines.

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
• Knowledge of Underwriting
• Managing Multiple Priorities
• Real Estate Development
• Real Estate Practice
• Real Estate Property Data Analysis
• Real Estate Sales Closings and Agreements
• Regulatory Environment – Financial Services

Work Experience

Roles at this level typically require a university/college degree with < 1 year of professional experience and/or successful completion of a formal development program. 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: $42,550.00 – $112,450.00. 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.

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, including benefits for full‑time and part‑time employees, visit pncthrive.com.

Application Window

Generally, this opening is expected to be posted for two business days from 04/13/2026, although it may be longer with business discretion.

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. 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. 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.