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Consumer Loan Underwriter 2

Company: Wells Fargo
Location: West Des Moines
Posted on: September 10, 2020

Job Description:

Job DescriptionImportant Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as Personal Cell or Cellular in the contact information of your application.

At Wells Fargo, we want to satisfy our customers financial needs and help them succeed financially. Were looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where youll feel valued and inspired to contribute your unique skills and experience.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Consumer Banking is an industry leader in supporting homeowners and consumers, in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams. Weve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.

Wells Fargo is looking to hire a Consumer Loan Underwriter in our Line Management Team within the Home Equity Lending Management Operations Department (HELMO). At Wells Fargo, we strongly believe in responsible lending principles and we know that a changing economy or unexpected events may affect our borrower's financial status. Because of this, Wells Fargo conducts account reviews of home equity lines of credit to ensure that the credit limit on the account is in line with a borrower's current financial condition.

Roles & Responsibilities:

This position is 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 tasks, functions may include:

---Reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value).

---Evaluating and 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.

**The selected candidate will be reporting to our Hillsboro, OR Servicing site. This position will offer the ability to work remote within a commutable distance of the listed Wells Fargo Servicing sites. Site locations are listed on the job posting.Required Qualifications


  • 2+ years of underwriting experience; or 3+ years of experience in one or a combination of the following: loan processing, origination, or closing


    Desired Qualifications


    • Basic Microsoft Office skills
    • Strong analytical skills with high attention to detail and accuracy
    • Excellent verbal, written, and interpersonal communication skills
    • Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
    • Strong time management skills and ability to meet deadlines
    • Experience articulating issues, risks, and proposed solutions to various levels of staff and management
    • Experience analyzing accounting principles, tax returns, and business and personal financial statements


      Other Desired Qualifications


      • Ability to underwrite to multiple underwriting policies and procedures simultaneously


        Job Expectations


        • 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.


          Salary InformationThe salary range displayed below is based on a Full-time 40 hour a week schedule.

          OR-Hillsboro: Min: $41,800 Mid: $58,000

          IA-West Des Moines: Min: $41,800 Mid: $58,000

          SD-Sioux Falls: Min: $37,600 Mid: $52,200

          SC-Fort Mill: Min: $41,800 Mid: $58,000

          TX-San Antonio: Min: $41,800 Mid: $58,000

          AZ-PHX-Northwest Phoenix: Min: $41,800 Mid: $58,000

          AZ-Chandler: Min: $41,800 Mid: $58,000

          CA-San Bernardino: Min: $45,900 Mid: $63,800

          FL-Jacksonville: Min: $41,800 Mid: $58,000Street AddressOR-Hillsboro: 10500 NE Walker Road - Hillsboro, OR

          IA-West Des Moines: 800 S Jordan Creek Pkwy - West Des Moines, IA

          SD-Sioux Falls: 3201 N 4th Ave - Sioux Falls, SD

          SC-Fort Mill: 3480 State View Blvd - Fort Mill, SC

          TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX

          AZ-PHX-Northwest Phoenix: 11601 N Black Canyon Hwy - Phoenix, AZ

          AZ-Chandler: 2850 S Price Road - Chandler, AZ

          CA-San Bernardino: 1003 E Brier Dr - San Bernardino, CA

          FL-Jacksonville: 3563 Philips Hwy - Jacksonville, FLDisclaimerAll offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.

          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Keywords: Wells Fargo, West Des Moines , Consumer Loan Underwriter 2, Accounting, Auditing , West Des Moines, Iowa

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