Remote Credit Risk Underwriter Jobs in Tennessee

Position OverviewAt 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 a Underwriter I within PNC's Retail Bank Operations - Indirect Auto organization, you will be based in Phoenix, AZ.
The scope of Retail Bank Operations is impressively broad and encompasses a wide range of critical functions. These include managing the cash needs for our branch and ATM networks, printing and mailing important bank documents, and handling both inbound and outbound collections for home lending, automobile, and card services. Additionally, Retail Bank Operations focuses on loan mitigation and investor operations, developing process improvement and automation opportunities, overseeing the daily processing of cash and check deposits, bill payments, and executes strategic quality management functions.
Location & Schedule
Remote position based in the Phoenix, AZ area.
Requires occasional in-office attendance, typically 1-2 days per month.
Schedule: 2:00 PM - 11:00 PM EST (11:00 AM - 8:00 PM MST/Arizona Time).
Availability to work 3 Saturdays per month and designated holidays is required.
Key Responsibilities
Underwrite and evaluate consumer loan applications in accordance with established policies and guidelines.
Receive incoming calls from and make outbound calls to the dealer network to support lending decisions and provide status updates.
Conduct fraud reviews and research on applications when necessary to mitigate risk and ensure compliance.
Accurately document customer and dealer interactions while maintaining productivity and quality standards.
Preferred Skills & Qualifications
Strong phone communication skills with the ability to build rapport and professionally manage conversations.
Ability to effectively multitask by speaking with customers or dealers while simultaneously documenting information and navigating multiple systems.
Excellent typing and documentation skills with a high level of accuracy and attention to detail.
Strong critical thinking and problem-solving abilities to assess situations and make informed decisions.
Proven ability to balance quality, efficiency, and speed in a fast-paced environment.
Strong organizational skills and ability to manage multiple priorities while meeting performance expectations.
Experience working in customer service, lending, underwriting, collections, or other phone-intensive environments is preferred.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 under supervision or independently on relatively basic transactions. May have limited approval and/or exception authority. Performs or assists in preparation of offerings for specific transactions or in management of a portfolio and interacts with internal/external customers.
• Using judgment to identify risks and mitigants, performs or assists in preparation of offerings and/or scorecards (e.g. risk ratings) by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio.
• Contacts internal/external customers and other parties as appropriate to gather information, clarify inconsistent, incorrect or missing information. May include relevant pre-approval and post-approval activities.
• Performs or assists with the identification and/or confirmation of all external regulatory requirements. Ensures internal policies/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 SkillsCredit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk AssessmentsCompetenciesAccuracy and Attention to Detail, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Information Capture, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational FunctionsWork ExperienceRoles at this level typically require a university / college degree with < 1 year of professional experience and/or successful completion of a formal development program. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.EducationBachelorsCertificationsNo Required Certification(s)LicensesNo Required License(s)Application WindowGenerally, this opening is expected to be posted for two business days from 07/15/2026, although it may be longer with business discretion.BenefitsPNC 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.