Underwriter II - Commercial (Technology)

PNC Bank•Phoenix, AZ

5d•Onsite

About The Position

This role is part of PNC's Regional Credit Products Group organization and focuses on underwriting and portfolio management for technology companies. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Requirements

University / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
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.
Bachelors
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

Nice To Haves

Prior experience in the technology sector, or a strong interest in developing expertise in technology-focused credit analysis.
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

Responsibilities

Works under limited supervision or independently.
Uses independent judgment to identify risks and mitigants, prepares and effectively recommends loan offerings based on scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties and also may have limited approval and/or exception authority.
Prepares offerings for specific transactions or in management of a portfolio as assigned and interacts with internal/external customers.
May provide recommendations for credit structuring.
Performs ongoing credit risk management for assigned portfolio.
Contacts internal/external customers and other parties as appropriate to gather information and 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 and 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
9 occasional absence days each year, unless otherwise required by law
between 15 to 25 vacation days each year, depending on career level; and years of service