• Completing the final underwriting review of the Conforming loans by thoroughly examining collateral and basic credit documents to ensure loans are prepared for closing in accordance with agency guidelines. • Analyzing collateral documents such as title, tax certificate, appraisals, and homeowner’s insurance policies to access their influence on Underwriting decisions. • Through review of the Automated Underwriting System during final review and ensure that any red flags or special messages are addressed before issuing final review. • Ratio calculation during final approval and ensuring the ratio of Loan Origination Software matches with the Automated Underwriting System. • Meet production goals while maintaining quality and compliance. • Uncover any undisclosed debt or other missing financial information and ensure there is not any potential fraud present in the loan application. • Collaborating with Loan team, Underwriters, Collateral, and other cross functional teams to ensure pending loan tasks are completed. • Maintain acceptable Quality control standard. • Reviewing and clearing the tasks related to Credit, income and assets required before Final approval can be issued.

• Check initial mortgage applications to make sure all the necessary information is filled out correctly and completely. • Confirm that the applicant's credit reports, income proof (like pay stubs or tax returns), bank statements, and purchase agreements are correct and match the application. • Carefully enter information from mortgage documents into the company’s systems and underwriting tools, making sure all data is accurate and up to date. • Upload and organize the correct documents in the company’s internal systems and portal used for the underwriting process. • Ensure all application review work follows company policies, underwriting rules, and legal regulations in the mortgage industry. • Work closely with applicants and Mortgage Ops team and other team members to ask for missing documents, explain decisions, and give updates on the application status. • Maintain clear and accurate records of what documents were approved or rejected, the reasons why, and what additional information is needed. • Keep yourself updated on any new industry practices, rule changes, or underwriting trends to do the job better. • Share your feedback and ideas to make the application review process faster, more efficient, and better for the customer.

• An Underwriting Specialist is responsible for reviewing mortgage loan applications, assessing the applicant's creditworthiness, and ensuring that the loan complies with all relevant guidelines and regulations. • Thoroughly review mortgage loan applications to ensure all required documentation is included. • Verify applicant information, such as income, employment history, credit history, and assets. • Analyze the applicant's credit report and credit score to assess creditworthiness. • Evaluate the risk associated with each loan application based on the applicant's financial profile. • Make informed decisions regarding loan recommendation, suspension, or conditional approvals. • Collaborate with other departments, such as loan processing and closing, to ensure a smooth and efficient loan closing process.

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 Commercial Underwriter III within PNC's Central Credit Products organization, you will be based remotely in Florida, North or South Carolina or Pennsylvania. 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 - Works independently with little or no oversight. Exercises exception and elevated approval authority. Prepares loan offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Serves as a subject matter expert for certain asset classes, and may represent or lead the department on special projects or assignments. - 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. May coach and/or review the work of other underwriters and fill 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 3+ years of relevant / direct industry experience. Certifications are often desired. 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 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 Accuracy 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 Functions Work Experience Roles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. 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: $55,000.00 – $115,000.00 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 11/25/2025, 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.