Joseph Sum joined PNC in 2001, and is the National Underwriting Manager for PNC Business Credit. He provides analytical and due diligence oversight for the organization's new business transactions in asset-based lending, technology finance, and Steel City Capital Funding. With over 25 years of lending experience, Joe has worked in various leadership roles for large finance companies including Bank of America Capital Finance, Fleet Capital and Heller Financial. He started his career as a CPA with Ernst & Young. Joe is a member of the Commercial Finance Association’s Education Committee, and has taught loan underwriting courses for the CFA. He is a graduate of the University of Southern California with a degree in Business Administration.