Commercial Underwriting Associate – Statement Spreading

PNC

. Complete basic due diligence, document processing, and financial/statistical analysis supporting underwriting .

Posted 10/27/2026full-timeUnited StatesMid-Level💰 $37,500 - $68,750 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial analysis, credit analysis, and underwriting processes, ensuring accuracy and completeness in documentation and decision-making. Proficient in managing multiple priorities while effectively communicating with internal and external stakeholders.

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 AnalysisCash Flow AnalysisCollateral AnalysisRisk AssessmentDocument ProcessingData InputCredit Decision KnowledgeDue DiligenceStatistical AnalysisInformation Capture

Soft Skills

Decision MakingCritical ThinkingManaging Multiple Priorities

Tools & Technologies

Internal Spreading SoftwareOffice Support Tools

Certifications & Qualifications

Job-Specific Certification

Industry Keywords

Commercial LoanUnderwritingFinancial StatementsCredit ApprovalConsolidated Financial Statements

About the role

Key responsibilities & impact

Complete basic due diligence, document processing, and financial/statistical analysis supporting underwriting
Assist with preparation of business cases for credit approval without credit approval authority
Review relevant forms, provide analysis, and order reports
Ensure accuracy and completeness of underwriting information and documents
Perform basic 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 inconsistent or inaccurate statements to Underwriters for correction
Input data into internal spreading software to support Underwriter approval consistency

Requirements

What you’ll need

Associates or equivalent degree
Typically requires 3+ years experience
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
Knowledge of credit decisions
Financial analysis and financial statement analysis
Credit analysis and verification
Knowledge of underwriting
Risk assessments and identifying risks
Accuracy and attention to detail
Decision making and critical thinking
Effective communications
Information capture
Managing multiple priorities
Office support tools and operational functions
Must work Monday–Friday, 8:00 am EST–5:00 pm EST within the applicable time zone
PNC will not provide sponsorship for employment visas 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, unless otherwise required by law
15 to 25 vacation days each year, depending on career level
Incentive-eligible compensation based on company, business and/or individual performance
Remote work in select geographic locations, subject to approval by PNC