Underwriting Associate – Statement Spreading

PNC

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

Posted 10/24/2026full-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, with a strong focus on accuracy and attention to detail. Proficient in using Microsoft Excel and internal spreading software to support data-driven decision-making.

Highest-signal resume keywords

Financial AnalysisCredit AnalysisUnderwritingMicrosoft ExcelAttention to Detail

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement SpreadingCash Flow AnalysisCollateral AnalysisDocument ProcessingDue Diligence

Soft Skills

Effective CommunicationDecision MakingCritical ThinkingManaging Multiple Priorities

Tools & Technologies

Internal Spreading SoftwareWorkflow Tool

Industry Keywords

Credit DecisionsRisk IdentificationOffice Support ToolsOperational Functions

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 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 commercial-loan renewal spread requests and new 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

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 accounting, credit decisions, financial analysis, financial statement spreading, identifying risks, Microsoft Excel, and process improvements
Competencies in accuracy and attention to detail, credit analysis and verification, decision making and critical thinking, effective communications, financial analysis, information capture, underwriting, 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
No required certifications or licenses
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 eligibility 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 individuals with disabilities