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Job Title: Consumer Ln Underwriter 2
Company Name: Wells Fargo
Location: Chandler, AZ
Position Type: Full Time
Post Date: 09/19/2019
Expire Date: 10/22/2019
Job Categories: Banking, Finance/Economics, Financial Services, Information Technology, Insurance, Military, Franchising, Research & Development
Job Description
Consumer Ln Underwriter 2
Job Description

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.

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.  We’ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.

The Consumer Loan Underwriter 2 position is responsible for reviewing, analyzing, underwriting, approving/declining individual and joint consumer credit requests for products within company and industry guidelines.

Job functions may include:
- Evaluating and ensuring overall loan transaction is accurate, complete, and compliant
- Applying knowledge of standard underwriting procedures, creditor financial analysis techniques
- Reviewing and correcting analysis of financial documents
- Reviewing credit reports and interpreting the data
- Calculation of applicable ratios to determine affordability, credit utilization, asset coverage, etc.
- Reviewing supporting documentation for truthfulness and accuracy
- Implementation of fraud detection and prevention techniques
- Understanding of the use of automated scoring system
- Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products
- Staying abreast of any changes in underwriting provisions
- Working with production to resolve questions when possible
- Ability to work required hours which may include: Weekend shifts, overtime, and work hours beyond 6:00 pm


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

  • Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment
  • Ability to manage to production goals, deadlines, and various metrics
  • Strong attention to detail and accuracy skills
  • Experience working productively in an environment where work processes frequently change
  • Experience meeting high production and quality standards in a fast paced, development and production support environment
  • Basic Microsoft Office skills
  • Excellent verbal, written, and interpersonal communication skills
  • Strong analytical skills with high attention to detail and accuracy

Other Desired Qualifications

* 2+ years of Consumer Lending experience with lending authority in a judgmental environment where scoring models are used primarily as a guidance tool
* Ability to clearly explain and document rationale for a credit decision
* Ability to sell and promote the product line to both internal and external customers
* Ability to stay abreast of changes within the line of business, bank, industry and current economic environment
* Ability to work well within a competitive and team based environment
* Analytical skills to include reviewing and understanding tax return documents
* Proactive and timely communication to customers and business partners on loan decisions and underwriting guidelines

Street Address

AZ-Chandler: 2800 S Price Rd - Chandler, AZ


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.

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Company Name: Wells Fargo
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