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Consumer Loan Underwriter (SAFE) 4

Company: Vantage Recruiting Group
Location: Walnut Creek
Posted on: February 23, 2021

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. Our foundation for success can be summarized in three beliefs:

Our product is service.

Our value added is financial advice and guidance.

Our competitive advantage is our people. It all begins with outstanding talent.
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. Our Fulfillment team originates and services mortgage loans using fair
and responsible lending practices to help turn houses into homes.
Job Description Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidel

Dependent on division, functions include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value) 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, serving as a consultant/technical
resource on difficult problems and questions handling escalated calls: providing work direction, feedback and training to underwriting staff including mentoring lower level underwriters on credit decisioning,
department procedures and policies delivering/facilitating of technical training to ensure organizational consistency.

Has exception authority. May act as a team lead and provide performance feedback to less senior underwriters. May act as backup in absence of Supervisor.

This position has customer contact and job duties may include taking an application, and/or may include offering or negotiating the terms of a loan. 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.

Qualifications 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

---Knowledge and understanding of underwriting policies and procedures, investor guidelines, and regulatory updates

---Knowledge and understanding of underwriting: non-conforming loan process

---3+ years of experience with income analysis including exposure to
reviewing self-employment, corporate, and partnerships tax returns

---Experience with underwriting policies and procedures such as risk-layering and asset evaluation

---Ability to handle confidential material in a professional manner

---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

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 work additional hours as needed

---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.
Additional Information Bonus: N/A
Relocation : 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) 4, Accounting, Auditing , Walnut Creek, California

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