Underwriter I - Operations - Indirect Auto

Job Profile

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 a Underwriter I within PNC's Retail Bank Operations - Indirect Auto organization, you will be based in Phoenix, AZ.

The scope of Retail Bank Operations is impressively broad and encompasses a wide range of critical functions. These include managing the cash needs for our branch and ATM networks, printing and mailing important bank documents, and handling both inbound and outbound collections for home lending, automobile, and card services. Additionally, Retail Bank Operations focuses on loan mitigation and investor operations, developing process improvement and automation opportunities, overseeing the daily processing of cash and check deposits, bill payments, and executes strategic quality management functions.

• Remote position based in the Phoenix, AZ area.
• Requires occasional in-office attendance, typically 1-2 days per month.
• Schedule:
  
  2:00 PM - 11:00 PM EST (11:00 AM - 8:00 PM MST/Arizona Time).
• Availability to work 3 Saturdays per month and designated holidays is required.

• Underwrite and evaluate consumer loan applications in accordance with established policies and guidelines.
• Receive incoming calls from and make outbound calls to the dealer network to support lending decisions and provide status updates.
• Conduct fraud reviews and research on applications when necessary to mitigate risk and ensure compliance.
• Accurately document customer and dealer interactions while maintaining productivity and quality standards.

• Strong phone communication skills with the ability to build rapport and professionally manage conversations.
• Ability to effectively multitask by speaking with customers or dealers while simultaneously documenting information and navigating multiple systems.
• Excellent typing and documentation skills with a high level of accuracy and attention to detail.
• Strong critical thinking and problem‑solving abilities to assess situations and make informed decisions.
• Proven ability to balance quality, efficiency, and speed in a fast‑paced environment.
• Strong organizational skills and ability to manage multiple priorities while meeting performance expectations.
• Experience working in customer service, lending, underwriting, collections, or other phone‑intensive environments is preferred.

This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in‑office participation may be required based on business needs.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

• Works under supervision or independently on relatively basic transactions. May have limited approval and/or exception authority. Performs or assists in preparation of offerings for specific transactions or in management of a portfolio and interacts with internal/external customers.
• Using judgment to identify risks and mitigants, performs or assists in preparation of offerings and/or scorecards (e.g. 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, 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/procedures are followed.
• Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.

PNC Employees take pride in our…