Mortgage Loan Underwriter 2
Employment Type: Full-Time
Job DescriptionImportant 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 is looking to hire a Mortgage Loan Underwriter in our San Bernardino, CA location who has 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!Required location for this position is San Bernardino, CA. Team members will be eligible to work from home if desired.Roles & Responsibilities: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 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.Required Qualifications* 2+ years of underwriting experience; or 3+ years of experience in one or a combination of the following: loan processing, origination, or closingDesired Qualifications* Basic Microsoft Office skills* Strong analytical skills with high attention to detail and accuracy* Excellent verbal, written, and interpersonal communication skills* Experience developing and cultivating professional relationships* Knowledge and understanding of loan administration: processing, underwriting, and closing* Knowledge and understanding of mortgage loan operations in a high volume environment* Customer service focus with the ability to listen to customer needs and recommend solutions* Strong organizational, multi-tasking, and prioritizing skills* Ability to handle confidential material in a professional manner* Mortgage industry experience* Experience managing a pipeline of work from assignment to completion* Ability to navigate multiple computer system windows, applications, and utilize search tools to find informationJob 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 provide and work from a home office* Ability to work additional hours as neededStreet AddressCA-San Bernardino: 1003 E Brier Dr - San Bernardino, CADisclaimerAll 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.