Underwriter III - REB

Position Overview

At PNC, our people are our greatest differentiator and the competitive advantage we bring to the markets we serve. We deliver the best experience for our customers by fostering an inclusive workplace culture where employees feel respected, valued, and empowered. As a(n) [position title] within PNC’s [name of division] organization, you will be based in [city/state location of position]. PNC is an in‑office company that values support, employee development, and work‑life balance.

• Work independently with little or no oversight.
• Exercise exception and elevated approval authority as required.
• Prepare loan offerings for transactions of any complexity or mandating an obligational portfolio responsibility.
• Interact with internal and external customers.
• Recommend credit structuring.
• Serve as subject‑matter expert for certain asset classes.
• Identify risks and mitigants; prepare obligations, scorecards, and risk ratings.
• Perform ongoing credit‑risk management for the assigned portfolio when applicable.
• Coach or review underwriters’ work and fill in for the manager as needed.
• Collect information from customers and clarify inconsistencies, errors or missing data.
• Execute pre‑approval and post‑approval activities when relevant.
• Identify and confirm external regulatory requirements.
• Enforce internal policies and procedures.
• Make or recommend credit decisions as appropriate.
• Apply IRS Code Sections 42 & 47, equity structures, documentation, market research, and third‑party guidelines.

• Minimum of 3+ years of underwriting or related experience.
• Knowledge of credit analysis, credit structuring, and risk management.
• Strong analytical, critical‑thinking, and decision‑making skills.
• Experience with IRS Code, equity structures, and market‑comp analysis.
• Understanding of regulatory environment in financial services.
• Ability to coach others and manage multiple priorities.

Typically requires a university/college degree; a comparable combination of education, type‑specific certifications, and experience (including military service) may be considered. No mandatory certifications or licenses are required.

Base salary: $86,250.00 – $ (may vary by geography, market data, skills, experience, and education). This role is incentive eligible with performance‑based pay.

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