Consumer Loan Underwriter (SAFE) 3
Company: Vantage Recruiting Group
Location: Walnut Creek
Posted on: February 22, 2021
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Job Description:
Let's talk about building a rewarding career.
You've got the passion. You've got the skills. Now you just need
the right opportunity. At Wells Fargo, you'll have the chance to
join a team of smart and talented people who share the same values.
Our diverse lines of business offer a world of opportunity to
expand your capabilities and advance your career. We invest in our
people and provide a supportive environment in which to learn and
grow.
Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified
financial services company with $1.7 trillion in assets. Founded in
1852, Wells Fargo provides banking, insurance, investments,
mortgage,
and consumer and commercial finance through more than 9,000
locations, more than 12,500 ATMs, online and mobile devices. Wells
Fargo has more than 265,000 team members in 36 countries across our
approximately 90 businesses.
Wells Fargo''s Consumer Lending Group (CLG) is an industry leader
in supporting homeowners and consumers. We put customers at the
center of all that we do. We make every decision - and design every
product and service - with our customers in mind.
It starts with you. We must attract, develop, retain and motivate
the most talented people - those who care and who work together as
partners across business units and functions. We value and promote
diversity and inclusion in every aspect of our business and at
every level of our organization. The CLG team includes Home
Lending, Consumer Credit Card, Personal Loans and Lines, Direct
Auto, Dealer Services, Commercial Auto, Retail Services and
Education Financial Services including the professional services
teams that partner with these businesses - Human Resources,
Finance, Credit Risk, and Compliance & Operational Risk. ---Join
the #1 Mortgage originator and servicer ( Source: Inside Mortgage
Finance ) Our Portfolio Business Management Group leads the effort
to grow Wells Fargo''s home equity and non-conforming mortgage
loans held in the bank''s portfolio. Job Description 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, functions may include reviewing financial statements,
credit reports, and applicable ratios(i.e. Debt ratios,
loan-to-value) evaluating 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 contacting
customers and partners to gather information to make appropriate
decisions, explain rationale behind credit decision.
May provide work direction and/or training to lower level team
members and provide performance feedback to supervisor/manager.
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 accept
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.
Qualifications 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
---Knowledge and understanding of underwriting policies and
procedures, investor guidelines, and regulatory updates
---Knowledge and understanding of mortgage origination: review of
income, asset, and credit documentation
---Ability to handle confidential material in a professional
manner
---Strong attention to detail and accuracy skills
---Ability to consult, build, and maintain solid working
relationships in and outside of immediate department
---Ability to coordinate completion of multiple tasks and meet
aggressive time frames
---Exposure to the Wells Fargo''s CORE origination system
---Non-conforming loan underwriting experience
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.
---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.
---Ability to work additional hours as needed
Disclaimer
All offers for employment with Wells Fargo are contingent upon the
candidate having successfully completed a criminal background
check. Wells Fargowill 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.
Additional Information Bonus: N/A
Relocation : N/A
Travel:N/A
Car: N/A
Additional Benefit Information:
Full Benefits Package - Full Health Insurance and Matching 401K
DISCLAIMER: The above statements are intended to describe the
general nature and level of work being performed by individuals in,
or assigned to, the above position and are not intended to be
construed as an exhaustive list of all responsibilities, duties and
skills required, and may be changed at the discretion of the
Company.
Keywords: Vantage Recruiting Group, Walnut Creek , Consumer Loan Underwriter (SAFE) 3, Accounting, Auditing , Walnut Creek, California
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