Consumer Loan Underwriter 3

Mô tả công việc

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.In Wells Fargo's Consumer Lending Group (CLG), we've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed. 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.Our Consumer Financial Services (CFS) team supports our direct-to-consumer lending products and includes product management, strategy and innovation, loan operations, inbound/outbound sales, and project and systems management. These products include consumer credit cards, personal lines and loans, direct auto products (new, used, refinance), fee-based products and rewards programs.The Consumer Loan Underwriter 3 position will be part of our credit card origination team.Job functions may include:Apply knowledge of standard underwriting procedures, creditor financial analysis techniquesReview and perform accurate analysis of financial documentsReview 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 accuracyPerform extensive research to resolve complex underwriting issuesImplementation of fraud detection and prevention techniquesUnderstanding of the use of automated scoring systemMay have direct responsibility for receiving inbound phone inquiries and underwriting from internal (banker) and external customersAbility to work required hours which may include: Weekend/Saturday shifts, overtime, and work hours beyond 6:00 pm