Underwriter - Operations​/Automobile

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 I within the PNC's Indirect Automobile organization, you will be based in Phoenix, AZ or Pittsburgh, PA.

The hours for this role will be: 2:00 PM to 11:00 PM (EST) and 12:00 PM to 9:00 PM (MST). Three Saturdays per month with compensation day off during the week.

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 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.

• 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 less than one year of professional experience and/or successful completion of a formal development program. In lieu of a degree, a comparable combination of education, job‑specific certification(s), and experience (including military service) may be considered.

Bachelor’s degree

No Required Certification(s)

No Required License(s)

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Full‑time employees may have access to medical, prescription drug, dental, and vision coverage, employee and spouse/child life insurance, short and long‑term disability protection, a 401(k) with PNC match, pension and stock purchase plans, a dependent‑care reimbursement account, backup child/elder care, adoption, surrogacy, and doula reimbursement, educational assistance (some fully paid programs), and a robust wellness program with financial incentives.

PTO includes up to 11 paid holidays, 9 mandatory absence days annually, and 15–25 vacation days depending on career level, as well as additional days for years of service.