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 IV within PNC's Small 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 - Works independently with little or no oversight. 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 subject matter expert for certain asset classes. Serves as a coach, work lead and trainer for the group. - Uses independent judgment to identify risks and mitigants and to prepare offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. Performs ongoing credit risk management for assigned portfolio, if relevant. 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 clarify inconsistent, incorrect or missing information. May perform relevant pre-approval and post-approval activities. - Identifies and/or confirms all external regulatory requirements. Ensures internal policies and procedures are followed. - Makes recommendations on credit decisions or makes credit decisions directly, as appropriate. 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 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. Education Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Pay Transparency Base Salary: $65,000.00 – $164,450.00 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 04/21/2026, 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.

• Learn the fundamentals of insurance underwriting. • Work on Cyber, Employment Practices, and Garage Package quotes. • Assist in reviewing applications, assessing risks, and preparing quotes. • Learn how to build relationships with brokers and support business development. • Develop a data-driven project to assist in underwriting decisions.

• Design and implement AI/ML models to support risk assessment and selection, improving accuracy in evaluating applicant profiles, exposures, and potential losses. • Translate underwriting guidelines and business rules into data models and algorithms that automate and augment decision-making. • Develop and refine policy pricing and rating models using statistical and machine learning techniques, ensuring alignment with market competitiveness and profitability goals. • Analyze historical data and external datasets to identify risk patterns, trends, and anomalies that inform underwriting strategies. • Support appetite evaluation and guideline application by building intelligent systems that dynamically match risks to underwriting appetite and highlight exceptions. • Collaborate with cross-functional stakeholders to integrate AI models into underwriting platforms and workflows. • Continuously monitor model performance, validate outputs, and recalibrate algorithms to ensure compliance, fairness, and accuracy. • Contribute to the development of underwriting dashboards, reporting tools, and decision-support systems. • Stay updated on regulatory requirements and ensure all AI-driven underwriting practices adhere to compliance standards.

If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care. This posting is for multiple Senior Associate Underwriter openings within our Middle Market National Underwriting Center, and they can be filled in a remote/work-from-home (WFH) capacity or in one of our offices. Prior experience with Property & Casualty underwriting and/or directly supporting Commercial Middle Market accounts is especially ideal, as are targeted education and/or insurance designations such the AU and CPCU. #LI-MS1 #LI-REMOTE Job Description Summary Success on our team requires a blend of customer service skill and analytical prowess. There’s no shying away from challenges here. Each account we work on is complex and interesting. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you! As a Senior Associate Underwriter, you’ll partner with Middle Market Territory Managers by servicing accounts for their assigned books of business. Servicing includes new business, renewals, and amendments with expanded authority. In addition, you will be responsible for a specific portion of the Territory Manager's book of business. We’ll count on you to apply fundamental underwriting concepts including risk selection and analysis, exposure and hazard identification and control, coverage implications, pricing documentation, and loss analysis trend identification as appropriate. You will also work in conjunction with Middle Market Territory Managers to strengthen agency relationships by providing prompt and expert service to partner agents working the most complex Middle Market accounts. We’ll count on you to own problems or issues as they arise and route calls and higher-level issues to appropriate individuals. Job Description Key Responsibilities: - Services the most complex multi-state, multi-line accounts through the lifecycle to promote profit, new business growth and renewal retention. - Responds to requests, consults, and collaborates with external and internal partners to resolve business issues and projects of moderate complexity requiring more discernment or robust solutions within established time and service standards to facilitate and expedite service needs. - Rates, quotes, and issues polices as well as handling related account activity. - Assesses price renewals, new business, and amendments according to guidelines outlined within authority levels; appropriately refer accounts exceeding authority level. - Updates account information and exposure changes in a timely manner to enable the underwriter adequate time to prepare and promptly deliver conditional and non-renewal notices to the appropriate parties. - Gathers, organizes, and enters information into policy systems including exposure changes or coordinates with processing. Provides rating instructions to processing and manages quoting and issuance cycle. - Captures information from multiple sources according to company guidelines to perform underwriting analysis. May require gathering verbal information or data through reports or other electronic means. - Independently reviews individual risks for acceptability and exercises judgement and discretion within appetite and based on granted authority level, company underwriting guidelines and industry standards. - Ensures file handling quality and workflow efficiency for a best-in-class customer experience. - Internal point of contact for the underwriting and processing team. Follow up with agents for all required information, and request any additional information such as forms, supplemental applications, loss runs, exposures, etc. - May provide informal coaching to Associate Underwriters. May perform other responsibilities as assigned. Reporting Relationships: Reports to Commercial Underwriting Supervisor. No direct reports. Typical Skills and Experiences: Education: Bachelor's degree or equivalent work experience preferred. License/Certification/Designation: Completion of INS, AU, or similar designations with progress toward CIC and/or CPCU is preferred. Experience: Typically, four years of commercial underwriting, service center, processing or related business experience preferred. Experience leading or working on complex projects and teams preferred. Knowledge, Abilities and Skills: General Understanding of rating systems, Underwriting Strategy, and reporting analysis. Understands business strategy, state and territory issues, regulations, and trends. Ability to leverage standardized workflows and state compliance guidelines. Able to analyze, synthesize and identify current or future problems and compare information to understand issues. Ability to identify cause and effect relationships and explore alternative solutions to support sound decision making. Verbal and written communication skills necessary to provide excellent service to internal and external partners. Effective organization and time management skills. Other criteria, including leadership skills, competencies and experiences may take precedence. Staffing exceptions to the above must be approved by the hiring manager’s leader and HR Business Partner. Values: Regularly and consistently demonstrates Nationwide Values. Job Conditions: Overtime Eligibility: Eligible (Non Exempt) Working Conditions: Normal office environment. ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties. We currently anticipate accepting applications until 04/30/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline. Benefits We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here. Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law. This position could be filled within any of the lower 48 U.S. states. Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247. For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means. Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule. The national salary range for Senior Associate Underwriter - Commercial Lines : $49,100.00-$91,300.00 The expected starting salary range for Senior Associate Underwriter - Commercial Lines : $49,100.00 - $73,700.00