Job ProfilePosition OverviewAt 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.
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.As a Underwriter III Business Credit within PNC’s Technology Finance Group, you will be based in Los Angeles, CA, New York, NY, San Francisco, CA, or Raleigh, NC.
The Technology Finance Group leverages the value of companies’ recurring revenue cash flow streams to provide senior secured financing to enterprise software companies across the United States, Canada, Europe and Israel.
.Job DescriptionWorks independently with little or no oversight.
Exercises some exception and elevated approval authority.
Prepares loan 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.Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties.
If relevant, performs ongoing credit risk management for assigned portfolio.
May coach and/or review the work of other underwriters and fill 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.PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: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.CompetenciesAccuracy and Attention to Detail – Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.Coaching Others – Knowledge of coaching concepts and methods; ability to encourage, motivate, and guide individuals or teams in learning and improving effectiveness.Credit Analysis and Verification – Knowledge of and ability to utilize tools, techniques and practices for determining the credit-worthiness of an applicant.Decision Making and Critical Thinking – Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions.Effective Communications – Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.Financial Analysis – Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material.Knowledge of Underwriting – Knowledge of the full spectrum of underwriting activities, practices, tools and considerations, and the ability to utilize these to manage the underwriting process.Managing Multiple Priorities – Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation.Office Support Tools – Knowledge of and ability to use office support tools available at the desktop (for example: word processing, e-mail, presentation software, and spreadsheets.)Operational Functions – Knowledge of major functional processes and associated operating requirements; ability to apply this knowledge appropriately to diverse situations.Work ExperienceRoles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience.
Certifications are often desired.
In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.EducationBachelorsAdditional Job DescriptionBenefitsPNC offers employees a comprehensive range of benefits to help meet your needs now and in the future.
Depending on your eligibility, options for full-time employees include 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; maternity and parental leave; paid holidays, vacationdays and occasional absence time; 401(k), pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption assistance; educational assistance and a robust wellness program with financial incentives.
To learn more about these and other programs, including benefits for part-time employees, visit pncbenefits.Com > New to PNC .Disability Accommodations Statement:The PNC workplace is inclusive and supportive of individual needs.
If you have a physical or other impairment that might require an accommodation, including technical assistance with the PNC Careers website or submission process, please call 877-968-7762 and select Option 4: Recruiting or contact us via email at pathfinder@pnc.com.The Human Resources Service Center hours of operation are Monday Friday 9:00 AM to 5:00 PM ET.Equal Employment Opportunity (EEO):PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.California ResidentsRefer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.