Commercial Underwriting Associate – Statement Spreading

PNC

. Complete basic due diligence, document processing, and financial/statistical analysis under direct supervision .

Posted 10/26/2026full-timeUnited StatesMid-Level💰 $37,500 - $68,750 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial analysis, including cash flow and collateral analysis, while ensuring accuracy in underwriting information. Proficient in credit analysis and verification, with strong decision-making and communication skills to manage multiple priorities effectively.

Highest-signal resume keywords

Financial AnalysisCredit AnalysisUnderwriting KnowledgeAttention To DetailEffective Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisRisk AssessmentData InputDocument ProcessingBasic Due Diligence

Soft Skills

Decision MakingCritical ThinkingManaging Multiple Priorities

Tools & Technologies

Internal Spreading SoftwareOffice Support Tools

Industry Keywords

Consolidated Financial StatementsCredit DecisionsOperational Functions

About the role

Key responsibilities & impact

Complete basic due diligence, document processing, and financial/statistical analysis under direct supervision
Assist in preparing business cases for credit approval without credit approval authority
Review relevant forms, provide analysis, and order reports
Ensure the accuracy and completeness of underwriting information and documents
Perform basic financial analysis, including cash flow and collateral analysis
Research and respond to internal and external customer questions and inquiries
Receive renewal and new commercial loan spread requests through the workflow tool
Review financial statements for accuracy and return them to Underwriters for correction when inconsistencies or inaccuracies are found
Input data into internal spreading software to support Underwriter approval
Work Monday through Friday, 8:00 am EST to 5:00 pm EST within the applicable time zone

Requirements

What you’ll need

Associates degree or equivalent degree
Typically requires 3+ years of experience
Related experience or product knowledge
In lieu of a degree, a comparable combination of education, job-specific certification(s), and experience, including military service, may be considered
Knowledge of consolidated financial statements, credit decisions, financial analysis, financial statement analysis, identifying risks, and risk assessments
Accuracy and attention to detail
Credit analysis and verification
Decision making and critical thinking
Effective communications
Information capture
Knowledge of underwriting
Managing multiple priorities
Office support tools
Operational functions
No required certifications
No required licenses
No required or preferred language assessments
Must be eligible to work without employment visa sponsorship; PNC will not provide sponsorship or participate in STEM OPT

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 plan
Stock purchase plan
Dependent care reimbursement account
Back-up child/elder care
Adoption, surrogacy, and doula reimbursement
Educational assistance, including select programs fully paid
Robust 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 and years of service
Incentive eligible with payment based upon company, business and/or individual performance
Remote work may be available in select geographic locations, subject to approval
Reasonable accommodations for applicants and qualified employees with disabilities