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Wells Fargo National Conforming Exception Underwriter 4 in Tempe, Arizona

Job Description

Important 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. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll 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.

Wells Fargo's Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it's buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending, Auto, Credit Cards, Retail & Merchant Services, Personal Lending, Consumer Lending Control, and Consumer Lending Shared Services.

The Consumer Lending team partners with other businesses across Wells Fargo to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices as well as online and digital channels.

Wells Fargo is looking to expand our Exception level Conforming Mortgage Underwriting Division and hire a number of Telecommute Mortgage Loan Underwriter 4's who have a strong desire and passion to deliver an exceptional experience in helping customers with their home loan applications. If you thrive on working with high accuracy and attention to detail and working with a team to meet customer needs, we want to talk to you!

Mortgage Loan Underwriter (SAFE) 4 - National Decisioning Support

National Underwriting and Production Risk Management (NUPRM) provides support for transaction underwriting, managing production risk, and implementation of policies and procedures that support the home lending process.

As part of Wells Fargo Home Lending, NUPRM identifies and adopts best practices and controls in relation to retail mortgage products. The National Decisioning Support Team (NDS) supports Centralized and Distributed Retail Agency and Government Fulfillment teams.

This team is responsible for making credit decisions on Agency and Government loans including but not limited to: credit policy exceptions within designated authority, loan size reviews requiring higher lending authority, path of assistance / 2nd level decisions.

  • Analyzes most complex financial and credit information for customer loans according to business unit standards

  • Underwriting exception work streams that cannot be decisioned through the decision tool

  • Compiles, analyzes, and documents loan data and credit risk, borrower and property information

  • Determines decisions/exceptions beyond the decisioning authority levels of less experienced underwriters

  • May negotiate loan provisions

  • Mentors or review analysis of less experienced underwriters and may provide credit policy direction to underwriting managers in the field

Required locations for this position are listed. The position is eligible to work from home.

This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

Required Qualifications

  • 5+ years of underwriting experience

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 interact with all levels of an organization

  • Ability to work effectively in a virtual team environment

Other Desired Qualifications

  • 5 years plus of complex Fannie Mae, Freddie Mac or government underwriting experience

  • Highly complex income analysis

  • Highly experienced non Conforming/portfolio retail mortgage underwriting may be considered

Job Expectations

  • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.

  • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

  • Ability to provide and work from a home office

  • 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 Information

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

PA-Philadelphia: Min: $70,300 Mid: $99,000

NC-Charlotte: Min: $63,900 Mid: $90,000

NC-Raleigh: Min: $63,900 Mid: $90,000

FL-Orlando: Min: $63,900 Mid: $90,000

IL-Lombard: Min: $70,300 Mid: $99,000

NY-Hicksville: Min: $76,700 Mid: $108,000

MN-Minneapolis: Min: $63,900 Mid: $90,000

IA-Des Moines: Min: $63,900 Mid: $90,000

CA-San Bernardino: Min: $70,300 Mid: $99,000

CO-Englewood: Min: $63,900 Mid: $90,000

OR-Portland: Min: $63,900 Mid: $90,000

AZ-Tempe: Min: $63,900 Mid: $90,000

Street Address

PA-Philadelphia: 101 N Independence Mall E - Philadelphia, PA

NC-Charlotte: 8505 Ibm Drive - Charlotte, NC

NC-Raleigh: 1100 Corporate Center Dr - Raleigh, NC

FL-Orlando: 11050 Lake Underhill Rd - Orlando, FL

IL-Lombard: 1 E 22nd St - Lombard, IL

NY-Hicksville: 100 Duffy Ave - Hicksville, NY

MN-Minneapolis: 2650 Wells Fargo Way - Minneapolis, MN

IA-Des Moines: 800 Walnut St - Des Moines, IA

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

CO-Englewood: 9780 S Meridian Blvd - Englewood, CO

OR-Portland: 9600 Ne Cascades Parkway - Portland, OR

AZ-Tempe: 1150 W Washington St - Tempe, AZ

Disclaimer

All 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.

Company: Wells Fargo

Req Number: 5556110-2

Updated: 2020-11-26 22:46:34.285 UTC

Location: Tempe,AZ

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