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 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's Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it's 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, Credit Cards, Retail & 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 2 will be responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines.

Job functions may include:
• Evaluating and ensuring overall credit card line increase transaction is accurate, complete, and compliant
• Apply knowledge of standard underwriting procedures, creditor financial analysis techniques
• Review and perform accurate analysis of financial documents
• Review and analyze credit bureau reports and interpreting the data
• Calculation of applicable ratios to determine affordability, credit utilization, asset coverage, etc.
• Review supporting documentation for truthfulness and accuracy
• Perform extensive research to resolve complex underwriting issues.• Implementation of fraud detection and prevention techniques
• Understanding of the use of automated scoring system

Schedule: 10am-7:00pm MST- Monday-Friday; working every other Saturday.
• 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
• Required to work alternating Saturdays
• Schedule subject to change according to business need

Required Qualifications

2+ years of underwriting experience; or 3+ years of experience in one or a combination of the following: loan processing, origination, or closing
2+ 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
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

Adaptable to a flexible production-oriented environment
Ability to adapt to change
Ability to work well within a competitive and team-based environment
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: $44,600 Mid: $62,000

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.

Consumer Loan Underwriter 2 - Military Veterans

Chandler, AZ

Chandler, AZ