PNC
Position Overview
Commercial Underwriter III (Healthcare) within PNC's Regional Credit Products Group. Based in Cleveland, OH; Chicago, IL or Houston, TX. This role is primarily based in a location within PNC’s footprint. The Healthcare Credit Products Team handles specialty lending for for-profit and not-for-profit healthcare entities and related not-for-profit entities. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. Responsibilities
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. Uses independent judgment to identify risks and mitigants; prepares offerings and/or scorecards (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 to gather information and 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 and experience (including military service) may be considered. Qualifications
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. 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
Base pay range: $55,000.00/yr - $115,000.00/yr Pay Transparency: Base Salary – $55,000.00 – $115,000.00; Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with payment based upon company, business and/or individual performance. Benefits
PNC offers a comprehensive range of benefits for eligible full-time employees, including medical/prescription drug coverage, dental and vision options; life insurance; short and long-term disability protection; 401(k) with PNC match; pension and stock purchase plans; dependent care reimbursement; back-up child/elder care; education assistance; wellness program with financial incentives. Paid time off typically includes maternity/parental leave, holidays, occasional absence days, and vacation days, varying by eligibility and career level. Disability Accommodations
If an accommodation is required to participate in the application process, please contact AccommodationRequest@pnc.com. Include “accommodation request” in the subject line and provide your name, job ID, and preferred contact method. Alternatively, call 877-968-7762 for assistance. All information provided will be kept confidential and used only to provide needed reasonable accommodations. 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. This position is subject to applicable regulatory requirements including FDIA, SAFE Act, and FINRA where applicable. California Residents
Refer to the California Consumer Privacy Act Privacy Notice to understand how PNC may use or disclose your personal information in our hiring practices.
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Commercial Underwriter III (Healthcare) within PNC's Regional Credit Products Group. Based in Cleveland, OH; Chicago, IL or Houston, TX. This role is primarily based in a location within PNC’s footprint. The Healthcare Credit Products Team handles specialty lending for for-profit and not-for-profit healthcare entities and related not-for-profit entities. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. Responsibilities
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. Uses independent judgment to identify risks and mitigants; prepares offerings and/or scorecards (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 to gather information and 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 and experience (including military service) may be considered. Qualifications
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. 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
Base pay range: $55,000.00/yr - $115,000.00/yr Pay Transparency: Base Salary – $55,000.00 – $115,000.00; Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with payment based upon company, business and/or individual performance. Benefits
PNC offers a comprehensive range of benefits for eligible full-time employees, including medical/prescription drug coverage, dental and vision options; life insurance; short and long-term disability protection; 401(k) with PNC match; pension and stock purchase plans; dependent care reimbursement; back-up child/elder care; education assistance; wellness program with financial incentives. Paid time off typically includes maternity/parental leave, holidays, occasional absence days, and vacation days, varying by eligibility and career level. Disability Accommodations
If an accommodation is required to participate in the application process, please contact AccommodationRequest@pnc.com. Include “accommodation request” in the subject line and provide your name, job ID, and preferred contact method. Alternatively, call 877-968-7762 for assistance. All information provided will be kept confidential and used only to provide needed reasonable accommodations. 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. This position is subject to applicable regulatory requirements including FDIA, SAFE Act, and FINRA where applicable. California Residents
Refer to the California Consumer Privacy Act Privacy Notice to understand how PNC may use or disclose your personal information in our hiring practices.
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