Underwriter III – Commercial

PNC

Underwriter III - Commercial at PNC with 3+ years experience in credit analysis and customer interaction. Preparing complex loan offerings and ensuring regulatory compliance.

Posted 7/9/2026full-timeCleveland • Ohio, Pennsylvania, Texas • 🇺🇸 United StatesMid-LevelSenior💰 $86,250 - $143,750 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in Credit Decisions, Financial Analysis, and Risk Assessments while ensuring compliance with internal policies and external regulatory requirements. Capable of managing complex loan offerings and coaching other underwriters to achieve results-oriented outcomes.

Highest-signal resume keywords

Credit DecisionsFinancial AnalysisRisk AssessmentsProcess ImprovementsDecision Making

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk ManagementLoan Offerings PreparationPortfolio ManagementRisk IdentificationFinancial Worthiness Analysis

Soft Skills

Customer Satisfaction FocusIndependent JudgmentCoaching and MentoringEffective Communication

Industry Keywords

Regulatory RequirementsInternal PoliciesException AuthorityTransaction ComplexityCredit Underwriting

About the role

Key responsibilities & impact

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 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.

Requirements

What you’ll need

3+ years of relevant / direct industry experience
Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions
Experience with Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk Assessments

Benefits

Comp & perks

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