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.

Our Capital Markets team manages the interest rate and operational risks associated with the origination, sale and servicing of mortgage loans, and provides liquidity for the mortgage assets originated by Wells Fargo.

This position reviews loan documentation, files and/or on-line transactions, individually or in aggregate, to determine if processes and documentation are in compliance with internal company requirements, insurer guidelines, investor requirements, and/or government regulations.

Functions may cover one or more of the following areas:
Underwriting, regulatory compliance, fraud, fair lending, and servicing.
Examines overall loan documentation (application, appraisal, title, credit, income, including personal and corporate tax returns and rental income, loan-to-value, legal documents) and system documentation of unusual, complex, and/or high-risk transactions.
For transactions identified with investor deficiencies, provides feedback to internal and external customers, including identification of fraud red flags and inconsistencies.
Clearly communicates in written form overall transaction quality and any noted deficiencies identified.
Analyzes risks and offsets and develops solutions for the risks and/or complex problems identified.
Provides support for exam management activities and any other initiatives as needed.
Maintains a high level of customer service through proactive communication with external and internal customers, including vendors.
Works in a team environment in an effort to achieve business, production and quality goals.
Ensures loan quality through data integrity and risk management.

Required Qualifications
* 4+ years of mortgage underwriting experience

Desired Qualifications
* Intermediate Microsoft Office skills
* Ability to navigate multiple computer systems, applications, and utilize search tools to find information
* Excellent verbal, written, and interpersonal communication skills
* Strong analytical skills with high attention to detail and accuracy

Other Desired Qualifications
Experience underwriting and decisioning mortgage credit and/or exceptions
Agency and/or Government credit underwriting experience
Ability to maintain quality and production requirements
FHA Direct Endorsement
VA SAR Endorsement

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.
* Willingness to work on-site at stated location on the job opening
* 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.

NC-Charlotte: Min: $50,400 Mid: $70,000 Max: $89,600
MN-Saint Louis Park: Min: $50,400 Mid: $70,000 Max: $89,600

Street Address
NC-Charlotte: 301 S Tryon St - Charlotte, NC
MN-Saint Louis Park: 300 Highway 169 S - Saint Louis Park, MN

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.