Position Overview At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As an Underwriter Manager II in the Business Banking Lending Center within PNC's Business Banking organization, you will be based remotely. This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. Job Description - Manages a team of underwriters and/or underwriting analysts. May oversee underwriting managers. Assists in implementing credit underwriting strategy for the team. Provides mentoring, training, advising and assistance to their team during the underwriting process. - Manages and serves as a point of escalation to staff in performing underwriting responsibilities. Oversees work product quality of team, including satisfying portfolio metrics as applicable. - Builds ongoing relationships with internal/external customers and other parties. Participates in conversations with senior business partners and key stakeholders. - Participates in responses to audit or risk assessment issues and ensures team's compliance with all external regulatory requirements and internal policies/procedures. Fosters an environment of continuous improvement and provides recommendations for process improvement. - Coaches and develops underwriters and/or underwriting managers. Leads team's performance, training, hiring and development. Collaborates with senior management to identify talent growth opportunities. 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. PNC also has fundamental expectations of our people managers. As a manager of talent in PNC, you will be expected to: - Include Intentionally - Cultivates diverse teams and inclusive workplaces to expand thinking. - Live the Values - Role models our values with transparency and courage. - Enable Change - Takes action to drive change and innovation that will transform our business. - Achieve Results - Takes personal ownership to deliver results. Empowers and trusts others in decision making. - Develop the Best - Raises the bar with every talent decision and guides the achievement of all employees and customer. Qualifications Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. Preferred Skills Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk Assessments Competencies Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Knowledge of Underwriting, Managing Multiple Priorities, Operational Functions Work Experience Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry experience is typically 8+ years. At least 5 years of prior management experience is typically required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered. Education Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Pay Transparency Base Salary: $80,000.00 – $202,150.00 Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance. Application Window Generally, this opening is expected to be posted for two business days from 03/10/2026, although it may be longer with business discretion. Benefits PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: 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; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com. Disability Accommodations Statement If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. Equal Employment Opportunity (EEO) PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. 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 Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities What you'll do at Cascade: Serve the American Dream Through Attainable Home Ownership. How you’ll do it: As a Portfolio Underwriter, you are responsible for evaluating and assessing the acceptability of all loan documentation submitted by the Loan Processor, and effectively clearing conditions required for full loan approval and loan closing. Underwriters work daily with the Processing and Closing Departments to ensure that all loans and supporting documentation meet guidelines. Daily Responsibilities include: - Analyzing credit, income, assets, purchase contracts, appraisals, title report, and other conditions submitted by the Processor and accept or deny documentation according to requirements. - Receiving, reviewing, and clearing loan conditions within Departmental set timeframes and in accordance with Company guidelines. - Teamwork - Work with Doc/Funders and Processing to ensure workflow remains efficient while maintaining loan quality. What you’ll need to join Cascade: - 3+ years overall residential mortgage experience, preferably in Underwriting - Ability to examine loan documentation for accuracy, acceptability, and completeness - Familiarity with fraud detection techniques - Encompass experience is required - FHA and VA experience is a plus - Manufactured Housing and/or Construction Lending experience is a plus - Excellent interpersonal communication and problem-solving skills - Must be able to work in fast-paced, team environment that involves strict deadlines - Must be willing to work Arizona time shifts (8am to 5 pm, or 7am to 4pm) - Willingness to travel to our corporate office in Chandler, Arizona 2x per year About Cascade & Our Culture: Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members!!! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S. Teamwork, Integrity, Excellence, and Service. We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.

• Ensures implementation of required regulatory changes • Acts as an advisor to underwriting peers • Translates key trends into actionable insights for change • Collaborates with business partners to drive requirements

Summary: The Conventional Underwriter is responsible for performing a comprehensive review and analysis of mortgage loan files to make informed lending decisions. This role primarily focuses on conventional loans, Closed End Second, and VA IRRRL loan products. The ideal candidate will be well-versed in FNMA, FHLMC, and investor guidelines and possess strong analytical, decision-making, and communication skills. Essential Job Duties and Responsibilities: - Review and underwrite loan files with a focus on the 4 Cs: Credit, Capacity, Collateral, and Capital. - Evaluate loan applications to determine borrower qualification, including creditworthiness and ability to repay. - Accurately calculate various income types including salaried, self-employed, rental, and other income. - Analyze assets including bank statements, retirement accounts, mutual funds, and other investments. Identify red flags, large deposits, and unusual activity. - Complete detailed credit analysis, including review of credit reports, trade lines, derogatory accounts, public records, and DTI/HTI calculations. - Review collateral and property valuation reports to ensure compliance with investor and company guidelines. - Provide timely and accurate underwriting decisions (approve, suspend, or deny) and clearly document rationale. - Review initial submissions and re-submissions and clear conditions within established SLAs. - Apply current investor guidelines using resources such as AllRegs (FNMA/FHLMC) and client overlays. - Collaborate with processors, closers, and other departments to ensure smooth and timely loan processing. - Maintain high-quality underwriting standards and compliance with regulatory requirements. - Comply with all company policies and procedures. - Maintain regular and punctual attendance. Other Job Duties and Responsibilities: Performs other related duties as assigned. Supervisory Responsibilities: - This position is an individual contributor. Qualifications: To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Education and/or Experience: - Bachelor’s Degree from a Four (4) year College or University. - 5+ years of conventional mortgage underwriting experience. - In-depth knowledge of FNMA, FHLMC, and investor guidelines. - Strong analytical and problem-solving skills. - Ability to exercise sound business judgment and make appropriate credit decisions. - Experience underwriting loan types such as Conventional, Closed End Second, and VA IRRRL. - Proficient in reviewing and interpreting income documentation (W-2s, tax returns, bank statements, etc.). - Familiarity with AllRegs and ability to locate and interpret guidelines. - Strong communication and presentation skills. - Self-motivated, detail-oriented, and able to work independently or as part of a team. - High level of integrity and a commitment to delivering quality work. Certificates, Licenses, Registrations: - None Required Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Equal Employment Opportunity: The company is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information, or any other basis protected by applicable federal, state, or local laws. Americans with Disabilities Act: Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities: The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization