Underwriting Associate - 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 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.

• 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.

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.

• 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 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.

• Associate Certifications No Required Certification(s)
• Licenses No Required License(s)

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.

Generally, this opening is expected to be posted for two business days from 07/31/2026, although it may be longer with business discretion.

• 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…