דרושים Underwriter ב-United States, California, San Francisco

Responsibilities:

• Assess and analyze New/Modification Credit exposures, including analysis of Collateral, Market, Sponsor/Guarantor to support proposal to extend Credit.
• Support Credit Officer on screening memos and term sheets.
• Data capture for new originations.
• Prepare approval documents and manage closing due diligence.
• Activities associated with origination, renewal, modification and extension of existing facilities where terms are being changed (i.e. extensions beyond final maturity, commitment increases, material covenant changes), including risk rating scorecard preparation and profitability modeling.
• Process formal Credit Action through the approval system.

Required Qualifications:

• 1+ years of Commercial Real Estate Credit Experience for the Underwriter. and 3+ years of Commercial Real Estate Credit Experience for the Sr. Underwriter.
• Must be contented with financial analysis skills.
• Ability to communicate effectively both verbally and written, with clear, concise, and conclusionary statements.
• Proficient with Microsoft Office and the ability to master new technologies.

Desired Qualifications:

• Bachelor’s Degree
• Prior Money Center Bank or Regional Banking Experience

Skills:

• Credit and Risk Assessment
• Customer and Client Focus
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Attention to Detail
• Collateral Management
• Due Diligence
• Oral Communications
• Interpret Relevant Laws, Rules, and Regulations
• Legal Structures and Legal Forms
• Loan Structuring
• Prioritization

1st shift (United States of America)

Job Description:

Job Description:

The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO/Commercial Credit Manager (CCM). The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complex clients/transactions. UWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit team members. They report to CCM and partner closely with COs.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility

• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions

• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities

• Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process

• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Required Qualifications:

• 3+ years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management

• Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring

Desired Qualifications:

• Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed

• Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)

• BA/BS Desired

Skills:

• Attention to Detail

• Credit and Risk Assessment

• Financial Analysis

• Underwriting

• Written Communications

• Analytical Thinking

• Credit Documentation Requirements

• Financial Forecasting and Modeling

• Recording/Organizing Information

• Business Acumen

• Collaboration

• Collateral Management

• Loan Structuring

1st shift (United States of America)

Responsibilities:

• Assess and analyze New/Modification Credit exposures, including analysis of Collateral, Market, Sponsor/Guarantor to support proposal to extend Credit.
• Support Credit Officer on screening memos and term sheets.
• Data capture for new originations.
• Prepare approval documents and manage closing due diligence.
• Activities associated with origination, renewal, modification and extension of existing facilities where terms are being changed (i.e. extensions beyond final maturity, commitment increases, material covenant changes), including risk rating scorecard preparation and profitability modeling.
• Process formal Credit Action through the approval system.

Required Qualifications:

• 2+ years of Commercial Real Estate Credit Experience for the Underwriter. and 5+ years of Commercial Real Estate Credit Experience for the Sr. Underwriter.
• Must be contented with financial analysis skills.
• Ability to communicate effectively both verbally and written, with clear, concise, and conclusionary statements.
• Proficient with Microsoft Office and the ability to master new technologies.

Desired Qualifications:

• Bachelor’s Degree
• Prior Money Center Bank or Regional Banking Experience

Skills:

• Credit and Risk Assessment
• Customer and Client Focus
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Attention to Detail
• Collateral Management
• Due Diligence
• Oral Communications
• Interpret Relevant Laws, Rules, and Regulations
• Legal Structures and Legal Forms
• Loan Structuring
• Prioritization

1st shift (United States of America)

Job Description:

Job Description:
The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO/Commercial Credit Manager (CCM). The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complexUWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit team members. They report to CCM and partner closely with COs.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility

• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions

• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities

• Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process

• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Skills:

• Attention to Detail

• Credit and Risk Assessment

• Financial Analysis

• Underwriting

• Written Communications

• Analytical Thinking

• Credit Documentation Requirements

• Financial Forecasting and Modeling

• Recording/Organizing Information

• Business Acumen

• Collaboration

• Collateral Management

• Loan Structuring

Required Qualifications:

3+ years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management

trong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Desired Qualifications:

Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.

Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)

BA/BS Desired

1st shift (United States of America)

Job Description

• Works autonomously. Exercises exception and elevated approval authority. Prepares offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Provides recommendations for credit structuring. Serves as a subject matter expert for certain asset classes, and may lead the department on special projects or assignments. Coaches, mentors, and assists otherson best practices and processes.
• Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and/or reviews the work of other underwriters and fills in for manager as required.
• Contacts internal/external customers and other parties as appropriate to gather information and to 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 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Qualifications

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and requiredneeded to be successful in this position.

Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk AssessmentsAccuracy 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 FunctionsRoles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.No Required Certification(s)No Required License(s)

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

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