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 prior to 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 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.

Wells Fargo is looking to hire Remote Sr. Government / Agency Mortgage Underwriter 4's who will be working on exception level underwriting in our National Underwriting and Production Risk Management group (NUPRM), who have a strong desire and passion to deliver an exceptional experience in helping customers with their home loan applications. If you thrive on working with high accuracy and attention to detail and working with a team to meet customer needs, we want to talk to you!

Roles & Responsibilities:
Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidelines. 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 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 acceptable 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.

'Preferred locations are listed on the job posting. Other locations within the Wells Fargo footprint may be considered.'

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

Other Desired Qualifications

5 years plus of FHA, VA, FNMA, or FHLMC experience (conforming experience)
5 years plus of working on complex income scenarios
Experience with exception level underwriting

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 provide and work from a home office
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.

Salary Information

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

FL-Jacksonville: Min: $59,600 Mid: $84,000
FL-Orlando: Min: $59,600 Mid: $84,000
FL-Tampa: Min: $59,600 Mid: $84,000
GA-Atlanta: Min: $59,600 Mid: $84,000
TX-Dallas: Min: $59,600 Mid: $84,000
TX-Austin: Min: $59,600 Mid: $84,000
TX-Houston: Min: $59,600 Mid: $84,000
TN-Nashville: Min: $59,600 Mid: $84,000
NY-Buffalo: Min: $59,600 Mid: $84,000
IN-Indianapolis: Min: $59,600 Mid: $84,000
AL-Birmingham: Min: $59,600 Mid: $84,000
NE-Omaha: Min: $59,600 Mid: $84,000
MO-Kansas City: Min: $59,600 Mid: $84,000
KS-Overland Park: Min: $59,600 Mid: $84,000
SC-Columbia: Min: $53,700 Mid: $75,600
OH-Columbus: Min: $59,600 Mid: $84,000
MS-Gulfport: Min: $53,700 Mid: $75,600
UT-Salt Lake City: Min: $59,600 Mid: $84,000
NV-Las Vegas: Min: $59,600 Mid: $84,000
AZ-Tucson: Min: $59,600 Mid: $84,000
CA-Fresno: Min: $59,600 Mid: $84,000
WA-Spokane: Min: $59,600 Mid: $84,000
ID-Boise: Min: $59,600 Mid: $84,000
NV-Reno: Min: $59,600 Mid: $84,000
MI-Birmingham: Min: $65,600 Mid: $92,400

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.

Senior Underwriter - Full Time Remote! - Military Veterans

Gulfport, MS

Gulfport, MS