Job Description

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 are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

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

Wells Fargos Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether its 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; Cards, Retail and 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.

The Consumer Loan Underwriter 3 will be responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines.

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
* Will have direct responsibility for receiving inbound phone inquiries and underwriting from internal (banker) and external customers

Additional functions may include evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios and other supporting documentation; using an automated scoring system or traditional underwriting to determine acceptability of moderate requests; 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.

Schedule:
10am-7:00pm MST Monday through Friday with a Saturday shift every third weekend
Requires flexibility to work any 8-hour shift during hours of operation.
Requires flexibility to work hours which may include: weekends, overtime, and work hours beyond 7:00pm
Schedule subject to change according to business need.

Position is on-site for the first 6 weeks and then will transition to a work from home environment until such time as the Line of Business transitions back to an on-site working environment at a time to be determined.

*Depending on the volume of applications received, this job posting may be removed prior to the indicated close date. If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo Bank.

Required Qualifications
* 4+ years of underwriting experience

Desired Qualifications
* Basic Microsoft Office skills
* Strong analytical skills including analyzing complex data
* Excellent verbal, written, and interpersonal communication skills
* Ability to interact with all levels of an organization
* 1+ year of customer service experience
* 1+ year of call center experience
* Ability to provide strong customer service and develop customer relationships
* Strong analytical skills with high attention to detail and accuracy

Other Desired Qualifications
High Volume underwriting experience
Credit card underwriting experience
Adaptable to a flexible production-oriented environment
Ability to adapt to change
Ability to work well within a competitive and team-based environment
Ability to clearly explain and document rationale for a credit decision
Ability to stay abreast of changes within the line of business, bank, industry and current economic environment
Ability to support and interact with the business units sales team

Job Expectations
* Ability to work nights, weekends, and/or holidays as needed or scheduled
* Ability to work additional hours as needed

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

AZ-Chandler: Min: $56,800 Mid: $80,000 Max: $103,200

Street Address
AZ-Chandler: 2800 S Price Rd - Chandler, 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.

Benefits Summary
Benefits
Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.