Underwriter II - Commercial

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 II – Commercial within PNC's Regional Credit Products Group organization, you will be based in Chicago, IL. 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.

• Works under limited supervision or independently.
• Uses independent judgment to identify risks and mitigants, prepares and recommends loan offerings based on scorecards and risk ratings.
• Analyzes credit, collateral strength and financial worthiness of loan/transaction parties.
• Prepares offerings for specific transactions or manages an assigned portfolio.
• Interacts with internal/external customers and provides recommendations for credit structuring.
• Performs ongoing credit risk management for the assigned portfolio when relevant.
• Contacts external parties to gather information and clarify inconsistencies, incorrect or missing information.
• Includes relevant pre‑approval and post‑approval activities as needed.
• Identifies and confirms all external regulatory requirements.
• Ensures internal policies and procedures are followed.
• Recommends or directly makes credit decisions as appropriate.

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for the role.

• Credit Decisions
• Decision Making
• Financial Analysis
• Identifying Risks
• Process Improvements
• Results‑Oriented
• Risk Assessments

• 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

Roles at this level typically require a university or college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job‑specific certifications and experience (including military service) may be considered.

Bachelor’s degree is required.

No specific certifications or licenses required.

Base Salary: $90,000.00 – $ (may vary based on geographic location, market data, individual skills, experience, and education). This role is incentive eligible with payment based upon company, business and/or individual performance.

PNC offers a comprehensive range of benefits to help meet your needs now and in the future.

• Medical/prescription drug coverage (with a Health Savings Account feature)
• Dental and vision options
• Employee and spouse/child life insurance
• Short‑term 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
• 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)
• 15 to 25 vacation days each year, depending on career level and years of service

If an accommodation is required to participate in the application process, please contact us via email at  or call 877‑968‑7762 and say "Workday" for assistance. All information provided will be kept confidential and used only to the extent required to provide needed reasonable accommodations.

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 protected categories. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act and the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, which prohibit the hiring of individuals with certain criminal history.

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