Wells Fargo''s Consumer Lending Group (CLG) is an industry leader in supporting homeowners and consumers. We put customers at the center of all that we do. We make every decision --- and design every product and service --- with our customers in mind. If it''s not good for our customers, then it''s not good for Wells Fargo. It starts with you. We must attract, develop, retain and motivate the most talented people --- those who care and who work together as partners across business units and functions. We believe everyone on our team is important and deserves respect for who they are and how they contribute to our success. The CLG team includes our home mortgage, home equity, consumer credit card, personal loans and lines, direct auto, dealer services and commercial auto, retail services and education financial services businesses. Join the #1 Mortgage originator and servicer (Source: Inside Mortgage Finance). Our Fulfillment Team: Originates and services mortgage loans using fair and responsible lending practices to help turn houses into homes. Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager. Extensive mortgage underwriting experience which includes but not limited to: - Advanced income analysis with includes experience in reviewing Self employment, Corporate, and Partnerships tax returns; Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation. - Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates. - Prior experience underwriting/signing authority of $750k or higher. - Ability to handle confidential material in a professional, highly ethical manner. - Excellent verbal and written communication skills and possess a high degree of attention to detail. - Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers.
Basic Qualifications: 4+ years underwriting experience.
Minimum Qualifications: This position requires compliance with all mortgage regulatory requirements and Wells Fargo''s compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
Preferred Skills: - FHA, VA, or non conforming experience.
How to Express Interest in This Job: Wells Fargo invites you to apply for this job at https://employment.wellsfargo.com/psp/PSEA/APPLICANT_NW/HRMS/c/HRS_HRAM.HRS_CE.GBL?Page=HRS_CE_HM_PRE&Action=A&SiteID=1&Opening=3712809.
WELLS FARGO IS AN AFFIRMATIVE ACTION AND EQUAL OPPORTUNITY EMPLOYER M/F/D/V.