PNC · 3 days ago

Underwriter III- Commercial

United States

Full-time

Remote

Mid Level

$55K/yr - $126K/yr

3+ years exp

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Responsibilities

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.

Qualification

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Credit DecisionsFinancial AnalysisRisk AssessmentsIdentifying RisksCoaching OthersCredit AnalysisUnderwritingManaging Multiple PrioritiesOffice Support ToolsOperational FunctionsProcess ImprovementsEffective Communications