Underwriter IV – Business Credit, Technology Finance

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🔥 3 minutes ago

🏄 California, North Carolina, +1 more states – Remote

🏄 California – Remote 🌲 North Carolina – Remote 🍂 Massachusetts – Remote

💵 $91k - $202.8k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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PNC

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1845

💸 Finance

🏦 Banking

👥 HR Tech

Finance • Banking • HR Tech

PNC is a diversified financial services firm that is committed to fostering an inclusive and accessible workplace. It offers a vibrant culture where employees can thrive, recognizing the importance of diversity and community involvement. PNC is dedicated to providing a supportive environment for career growth, and offers various opportunities for students, graduates, and veterans. It has been nationally recognized for its commitment to gender and disability equality and for being a top employer. PNC provides equal opportunities to all qualified individuals and ensures compliance with employment laws.

📋 Description

• Underwrite acquisition financings, recapitalizations, refinancings, and growth capital transactions • Analyze historical and projected financial performance, operating trends, liquidity, leverage, and debt service capacity • Evaluate SaaS-specific metrics, including ARR, net revenue retention, customer concentration, churn, and recurring revenue quality • Assess private equity sponsor quality, investment thesis, value-creation plans, and financial support capacity • Develop transaction structures including leverage levels, covenant packages, pricing, collateral, and other risk mitigants • Prepare comprehensive credit approval memoranda and present recommendations to approval authorities • Perform industry, management, and competitive-position analysis • Partner with bankers, sponsors, legal counsel, and credit officers throughout transaction execution • Review legal documentation for consistency with approved credit terms • Identify key transaction risks and recommend appropriate mitigants

🎯 Requirements

• 5+ years of commercial, corporate, leveraged finance, sponsor finance, technology banking, or middle-market underwriting experience • Strong knowledge of cash-flow lending and leveraged transactions • Experience underwriting software, technology, or recurring-revenue businesses • Understanding of private equity ownership structures and leveraged capital markets • Strong credit writing and transaction execution skills

🏖️ Benefits

• 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