Underwriter III - Commercial

Underwriter III - Commercial

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 III - Commercial within PNC's Regional Credit Products Group organization, you will be based in Bellevue, WA. This position is primarily based in a location within PNC's footprint. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description :

• Works independently with little or no oversight. Exercises 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. Serves as a subject matter expert for certain asset classes, and may represent or lead the department on special projects or assignments.
• 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. Performs 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.
• Roles 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, job specific certification(s), and experience (including military service) may be considered.

PNC employees take pride in our reputation and to continue building upon that we expect our employees to be :

Preferred Skills

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

Competencies

Accuracy and Attention to Detail, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational Functions

Work Experience

Roles 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, job specific certification(s), and experience (including military service) may be considered.

Education

Bachelors

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Pay Transparency : Base Salary : $55,000.00 $138,000.00 Salaries may vary based on geographic location, market data, and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business, and / or individual performance.

Application Window : Generally, this opening is expected to be posted for two business days from 10 / 24 / 2025, although it may be longer with business discretion.

Benefits : PNC offers 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; 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. In addition, PNC generally provides the following paid time off, depending on your eligibility : maternity and / or parental leave; up to 11 paid holidays each year; 8 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.

To learn more about these and other programs, including benefits for full-time and part-time employees, visit Your PNC Total Rewards.