Underwriter I - Operations - Indirect Auto

Works under supervision or independently on relatively basic transactions. May have limited approval and/or exception authority. Performs or assists in preparation of offerings for specific transactions or in management of a portfolio and interacts with internal/external customers. Using judgment to identify risks and mitigants, performs or assists in preparation of offerings and/or scorecards (e.g. 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, clarify inconsistent, incorrect or missing information. May include relevant pre-approval and post-approval activities. Performs or assists with the identification and/or confirmation of all external regulatory requirements. Ensures internal policies/procedures are followed. Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.

Responsibilities

Underwrite and evaluate consumer loan applications in accordance with established policies and guidelines; Receive incoming calls from and make outbound calls to the dealer network to support lending decisions and provide status updates; Conduct fraud reviews and research on applications when necessary to mitigate risk and ensure compliance; Accurately document customer and dealer interactions while maintaining productivity and quality standards

Requirements

Accuracy and Attention to Detail; Credit Analysis and Verification; Decision Making and Critical Thinking; Effective Communications; Financial Analysis; Information Capture; Knowledge of Underwriting; Managing Multiple Priorities; Office Support Tools; Operational Functions; Roles at this level typically require a university/college degree with less than 1 year of professional experience and/or successful completion of a formal development program; In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered; Bachelor's degree; Requires occasional in-office attendance, typically 1–2 days per month; Availability to work 3 Saturdays per month and designated holidays is required; Schedule: 2:00 PM – 11:00 PM EST (11:00 AM – 8:00 PM MST/Arizona Time) or 12:00 PM – 9:00 PM EST for Pittsburgh location; If approved for remote work, work must be conducted from a quiet, secure, and confidential home-based workspace; PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position

Nice to have

Strong phone communication skills with the ability to build rapport and professionally manage conversations; Ability to effectively multitask by speaking with customers or dealers while simultaneously documenting information and navigating multiple systems; Excellent typing and documentation skills with a high level of accuracy and attention to detail; Strong critical thinking and problem-solving abilities to assess situations and make informed decisions; Proven ability to balance quality, efficiency, and speed in a fast-paced environment; Strong organizational skills and ability to manage multiple priorities while meeting performance expectations; Experience working in customer service, lending, underwriting, collections, or other phone-intensive environments is preferred; Credit Decisions; Decision Making; Financial Analysis; Identifying Risks; Process Improvements; Results-Oriented; Risk Assessments

Benefits

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; wellness program with financial incentives; maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year; 15 to 25 vacation days each year depending on career level