Commercial Underwriter IV - Dealer Floor Plan Lending

PNC

114d • $65,000 - $144,000

About The Position

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 Commercial Underwriter IV within PNC's Retail Lending Dealer Finance organization, you will be remotely based in Illinois, Ohio or Michigan. Other locations may be considered. While this role is remote, you may be required to attend in-office meetings periodically at a PNC office in your local market. Other locations within the PNC Dealer Finance footprint may be considered.

Requirements

• 5+ years of industry-relevant experience.
• University / college degree or a comparable combination of education, job specific certification(s), and experience (including military service).

Nice To Haves

• Credit Decisions
• Decision Making
• Financial Analysis
• Identifying Risks
• Process Improvements
• Results-Oriented
• Risk Assessments

Responsibilities

• Works independently with little or no oversight.
• Exercises exception and elevated approval authority.
• Prepares commercial offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned.
• Interacts with internal/external customers.
• Provides recommendations for credit structuring.
• Serves as subject matter expert for certain asset classes.
• Serves as a coach, work lead and trainer for the group.
• Using independent judgement to identify risks and mitigates, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength, and financial worthiness of loan/transaction parties.
• Performs ongoing credit risk management for assigned portfolio of commercial credits.
• Coaches and/or reviews the work of other underwriters and fills in for manager as required.
• Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect, or missing information.
• May perform relevant pre-approval and post-approval activities.
• Identifies and/or confirms all external regulatory requirements.
• Ensures internal policies/procedures are followed.
• Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.

Benefits

• 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 doula reimbursement
• Educational assistance, including select programs fully paid
• A robust wellness program with financial incentives
• Maternity and/or parental leave
• Up to 11 paid holidays each year
• 8 occasional absence days each year
• Between 15 to 25 vacation days each year, depending on career level and years of service

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees