PNC · 23 hours ago
Underwriter III- REB
San Diego, CA
Full-time
Onsite
Mid Level
$63K/yr - $157K/yr
3+ years expPNC is a company that values its people as its greatest differentiator and competitive advantage. The Underwriter III role within PNC's Real Estate Banking organization involves preparing loan offerings, analyzing credit risks, and making credit decisions while ensuring compliance with internal policies and external regulations.
BankingFinanceFinancial Services
No H1B
Responsibilities
Works independently with little or no oversight. Exercises some 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. Provides recommendations for credit structuring. Serves as subject matter expert for certain asset classes
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. 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
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
Qualification
Required
University / college degree
3+ years of relevant / direct industry experience
Knowledge of IRS Code Section 42 and 47
Knowledge of equity structures and documentation
Knowledge of market research (including onsite inspections and market comp analysis)
Knowledge of 3rd party or external guidelines
Ability to work independently with little or no oversight
Ability to prepare loan offerings for all types of transactions
Ability to interact with internal/external customers
Ability to provide recommendations for credit structuring
Ability to identify risks and mitigants
Ability to perform ongoing credit risk management for assigned portfolio
Ability to coach and/or review the work of other underwriters
Ability to contact internal/external customers to gather information
Ability to identify and/or confirm all external regulatory requirements
Ability to ensure internal policies/procedures are followed
Ability to make recommendations on credit decisions or make credit decisions directly
Preferred
Credit Decisions
Decision Making
Financial Analysis
Identifying Risks
Process Improvements
Results-Oriented
Risk Assessments
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
Company
PNC
PNC is a financial service company providing bank deposits products and services to its community.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1975-11-17IPO
Leadership Team
Keith Hayes
SVP, PNC Aviation Finance
M
Michael Gaber
Senior Vice President - Originations
Recent News
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