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Underwriter Iv Jobs (NOW HIRING)

PNC Bank

Underwriter IV- Real Estate

San Diego, CA

$100K - $202K/yr

As an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA. PNC is an in-office company that fosters a supportive culture ...

PNC Bank

Underwriter IV- Real Estate

Los Angeles, CA

$100K - $202K/yr

As an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA. PNC is an in-office company that fosters a supportive culture ...

PNC Bank

Underwriter IV - Tax Credit

Louisville, KY

$91K - $202K/yr

As an Underwriter within PNC's Multi Family Capital organization, you will be based in either Boston, MA; Louisville, KY; or Pittsburgh, PA. PNC is an in-office company that fosters a supportive ...

Fairygodboss

Underwriter IV- Real Estate

San Diego, CA · On-site

$100 - $203/hr

As an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA. PNC is an in-office company that fosters a supportive culture ...

New

PNC Bank

Underwriter IV- Real Estate

Denver, CO

$100K - $202K/yr

As an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA. PNC is an in-office company that fosters a supportive culture ...

PNC Bank

Underwriter IV - Tax Credit

Boston, MA

$91K - $202K/yr

As an Underwriter within PNC's Multi Family Capital organization, you will be based in either Boston, MA; Louisville, KY; or Pittsburgh, PA. PNC is an in-office company that fosters a supportive ...

PNC

Underwriter IV - Tax Credit

Boston, MA

$91K - $202K/yr

As an Underwriter within PNC's Multi Family Capital organization, you will be based in either Boston, MA; Louisville, KY; or Pittsburgh, PA. PNC is an in-office company that fosters a supportive ...

PNC Bank

Underwriter IV- Affordable (Agency)

Dallas, TX · On-site +1

$91K - $202K/yr

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 ...

PNC

Underwriter IV- Affordable (Agency)

Dallas, TX · On-site +1

$91K - $202K/yr

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 ...

PNC Bank

Underwriter IV - Tax Credit

Pittsburgh, PA

$91K - $202K/yr

As an Underwriter within PNC's Multi Family Capital organization, you will be based in either Boston, MA; Louisville, KY; or Pittsburgh, PA. PNC is an in-office company that fosters a supportive ...

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Underwriter Iv information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriter iv jobs pay per year?

As of Aug 21, 2026, the average yearly pay for underwriter iv in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What does an Underwriter IV do?

An Underwriter IV is a senior-level professional responsible for evaluating and assessing the risks involved in insuring people or assets. They review applications for insurance, analyze financial data, and determine appropriate coverage amounts and premiums. At this level, Underwriter IVs often handle more complex or high-value cases, provide guidance to junior underwriters, and ensure compliance with company policies and regulations. They may also coordinate with agents, brokers, and clients to clarify information and explain decisions. Their expertise helps insurance companies manage risk and maintain profitability.

What are the key skills and qualifications needed to thrive as an Underwriter IV?

To thrive as an Underwriter IV, you need advanced analytical skills, deep knowledge of risk assessment, and a strong background in finance or insurance, often supported by a bachelor’s degree and relevant certifications like CPCU or ARM. Proficiency with underwriting software, risk modeling tools, and industry databases is typically required. Strong decision-making abilities, attention to detail, and effective communication are essential soft skills for this senior-level role. These skills ensure accurate risk evaluation, compliance with company policies, and the ability to make sound decisions on complex cases.

What are some common challenges faced by an Underwriter IV in managing complex portfolios?

As an Underwriter IV, you may frequently encounter complex portfolios that require balancing risk assessment with business objectives. One common challenge is evaluating intricate financial and legal documentation for large or unconventional accounts, where standard guidelines may not fully apply. Collaboration with senior management, actuaries, and legal teams is often necessary to navigate unique cases, ensure compliance, and tailor solutions for clients. Staying updated with industry trends and regulatory changes is also essential to make informed decisions and maintain portfolio profitability.

What is the difference between Underwriter IV vs Underwriter III?

AspectUnderwriter IVUnderwriter III
CredentialsBachelor's degree, relevant certifications (e.g., CPCU, ARM)Bachelor's degree, similar certifications often required
Work EnvironmentMore complex cases, higher decision-making responsibilityModerate complexity, supervision often involved
Employer & Industry UsageInsurance companies, financial institutionsInsurance companies, financial institutions
Search & Comparison IntentUnderstanding seniority and responsibilitiesClarifying mid-level roles

Underwriter IV typically handles more complex cases and has greater decision-making authority compared to Underwriter III. Both roles require similar credentials and work within the insurance industry, but Underwriter IV positions often involve higher responsibility and specialization.

Do underwriters earn good money?

Underwriters typically earn competitive salaries that vary based on experience, industry, and location. Senior underwriters or those working in specialized fields can earn higher wages, and the role often includes benefits and opportunities for advancement.

Is it hard to get a job in underwriting?

Getting a job as an underwriter can be competitive, often requiring relevant education, such as a degree in finance or related fields, and industry certifications like the Chartered Property Casualty Underwriter (CPCU). Strong analytical skills, attention to detail, and experience with underwriting software improve chances of employment in this field.
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What job categories do people searching Underwriter Iv jobs look for?

The top searched job categories for Underwriter Iv jobs are:

Underwriter Iv jobs near you
Infographic showing various Underwriter Iv job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, 2% Part Time, and 2% Contract. Highlights an 68% Physical, 12% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter IV- Real Estate

PNC Bank

San Diego, CA

$100K - $202K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 17 days ago

PNC Bank rating

7.8

Company rating: 7.8 out of 10

Based on 347 frontline employees who took The Breakroom Quiz

89th of 171 rated banks

Job description

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 an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA.PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.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.
  • 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. May perform 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.
  • Knowledge of IRS Code Section 42 and 47, equity structures and documentation, market research (including onsite inspections and market comp analysis), and 3rd party or external guidelines.

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, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Knowledge of Underwriting, Managing Multiple Priorities, Market Research, Real Estate Development, Real Estate Practice, Real Estate Property Data Analysis, Real Estate Sales Closings and Agreements, Regulatory Environment - Financial ServicesWork ExperienceRoles 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.EducationBachelorsCertificationsNo Required Certification(s)LicensesNo Required License(s)Pay TransparencyBase Salary: $100,100.00 - $202,800.00Salaries 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 WindowGenerally, this opening is expected to be posted for two business days from 08/03/2026, 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, visitpncthrive.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.

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