Underwriting - Ops​/Automobile

Responsibilities

• 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.

• 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 a university / college degree with