Lead Risk Underwriter

2 weeks ago

Cincinnati, Ohio, United States PNC Financial Services Group Full time
Position Overview
At PNC Financial Services Group, our workforce is our most significant differentiator and competitive edge in the markets we operate. We are united in our commitment to delivering exceptional experiences for our clients.

We collaborate daily to cultivate an inclusive workplace culture where all employees feel respected, valued, and empowered to contribute to the company's success.

As a Senior Underwriter within PNC's Vendor Finance division, you will be based in a dynamic environment. Responsibilities will require regular presence in the office or field.

Some tasks may be performed remotely, subject to managerial discretion. **Municipal credit analysis and underwriting experience is preferred.**

Job Responsibilities
Work autonomously with minimal oversight.

Exercise elevated approval authority and prepare offerings for transactions of varying complexity or manage an assigned portfolio.

Engage with internal and external clients, providing recommendations for credit structuring. Act as a subject matter expert for specific asset classes and serve as a mentor and trainer for the team.

Utilize independent judgment to identify risks and mitigants, preparing offerings and/or scorecards by analyzing credit, collateral strength, and financial viability of loan/transaction parties.

If applicable, conduct ongoing credit risk management for the assigned portfolio. Mentor and review the work of other underwriters and step in for management as necessary.
Contact internal and external clients and other relevant parties to gather information and clarify any inconsistencies or missing data. May perform necessary pre-approval and post-approval activities.
Identify and confirm all external regulatory requirements, ensuring adherence to internal policies and procedures.
Make recommendations on credit decisions or make credit decisions directly, as appropriate.

Core Competencies
PNC employees take pride in our reputation, and to continue building upon that, we expect our employees to be:
Customer Focused
  • Knowledgeable of values and practices that prioritize customer needs and satisfaction in all business decisions, leveraging that information to create tailored customer solutions.

Managing Risk
  • Effectively assess and manage all risks associated with business objectives and activities to ensure alignment with PNC's Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate the necessary knowledge, skills, and abilities for this role. Below are the skills, competencies, work experience, education, and required certifications/licensures needed for success in this position.

Preferred Skills: Credit Decisions, Customer Needs, 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

Roles at this level typically require a university/college degree, with 5+ years of relevant industry experience. Specific certifications may be required. In lieu of a degree, a comparable combination of education, job-specific certification(s), and experience may be considered.

Education: Bachelor's Degree
Certifications: No Required Certification(s)
Licenses: No Required License(s)
Benefits
PNC offers a comprehensive range of benefits to support your needs now and in the future. Depending on 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 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 our website.

Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified individuals regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

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