Job Description: 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(n) Underwriter I - Commercial within PNC's commercial banking organization, you will be based in Philadelphia, PA. Job Responsibilities: Makes recommendations on credit decisions or makes credit decisions directly as appropriate. Performs or assists with the identification and/or confirmation of all external regulatory requirements. Ensures internal policies and procedures are followed. Works under supervision or independently. Using independent judgement 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. Performs or assists in the preparation of offerings for specific transactions or in management of a portfolio and interacts with internal/external customers. May provide recommendations for credit structuring. Using independent judgement 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. If relevant, 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. Job Requirements: Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions. 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. Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material. Knowledge of the processes and the ability to identify, capture and document relevant business information in an auditable, organized, understandable and easily retrievable manner. 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. 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. Roles at this level typically require a university / college degree with < 1 year of professional experience and/or successful completion of a formal development program. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered. Job Details: Company: PNC Vacancy Type: Full Time Job Location: Philadelphia, PA, US Application Deadline: N/A Apply Here vacanciesforyou.net
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