Mortgage Consultant jobs in United States, Iowa, Des Moines

In this role, you will:

• Serve as a Field Sales Representative within a defined geography

• Call and visit dealers and end customers involved in the Agriculture and Construction equipment spaces with the purpose of originating new loan and lease opportunities, along with inventory finance/rental opportunities at the dealer level

• Build and maintain effective relationships with existing clients

• Act as an advisor to senior leadership to develop or influence long-term goals for highly complex business and technical needs

• Independently review and analyze client portfolios, including highly complex scenarios, for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral or enterprise value analysis, and repayment sources, including for use in periodic reviews as well as interim underwriting memoranda

• Lead the strategy and resolution of highly complex and unique challenges by synthesizing industry and economic trends, including complicated legal and regulatory issues, in addition to regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable

• Strategically engage with all levels across the enterprise and serve as an expert advisor to leadership to resolve client issues and achieve business objectives while leveraging a sound understanding of relevant policies, procedures, and compliance requirements

Required Qualifications:

• 7+ years of secured or specialized lending relationship management or portfolio management experience,or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• 5+ years of combined Agriculture and Construction Equipment finance experience

Desired Qualifications:

• Experience with inventory finance solutions

Job Expectations:

• This position is not eligible for Visa sponsorship

• This position offers a hybrid work schedule

• Ability to travel up to 30%of the time

• Overnight travel is required as part of this role

• Specific compliance policies may applyregardingoutside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process

• 801 Walnut St,Des Moines, IA 50309

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role you will:

• Participate in soliciting residential mortgages from various sources
• Produce high quality loans which are compliant and provide excellent customer service
• Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
• Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market
• Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
• Understand real estate appraisals, title reports, and real estate transactions
• Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs
• Review and analyze low to moderately complex financial and credit data; match customer needs with an appropriate loan program and level of risk
• Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
• Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements
• 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 Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education

Desired Qualifications:

• Basic Microsoft Office skills
• Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
• Excellent verbal, written, and interpersonal communication skills
• Mortgage industry experience
• Knowledge and understanding of sales prospecting and generating referrals
• Experience developing and cultivating professional relationships
• Customer service experience

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) website(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 lift 20+ pounds
• Reliable transportation
• Ability to work nights, weekends, and/or holidays as needed or scheduled

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

About this role:

Wells Fargo is seeking aYou will be responsible for data visualization and reporting and conducting peer review testing. To be successful, you will need to bring an end-to-end analytical toolkit that includes extracting data from the Teradata warehouse with SQL; validating and refining findings by partnering with subject matter experts that are in a matrixed organization; creating all required control documentation; and finally completing peer review testing.

In this role, you will:

• Manage the design, development, implementation, and management of business intelligence and reporting solutions
• Ensure reporting processes and solutions are designed and created according to business requirements and published processes and procedures
• Complete risk-mitigating activities including code testing, peer review, consolidation of similar recurring processes and reports, and best-in-class documentation (i.e. BRDs, FSDs) that is structured for consistency and is easy to understand by multiple levels of reviewers, partners, and regulatory agents
• Collaborate across the organization, engaging with peers, risk and compliance managers, and executive leadership as a trusted advisor on analytical and strategic initiatives
• Review work of others and provide value-added feedback.

Required Qualifications:

• 5+ years of Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 2+ years of BI (Tableau or Power BI or SAS) development experience
• 2+ years of Teradata warehouse experience with SQL

Desired Qualifications:

• Experience with Development tools (JIRA and Github)
• Experience with functional testing of large data sets or dashboards
• Strong analytical skills with high attention to detail and accuracy
• Knowledge and understanding of data visualizations (Prefer Power BI)
• Experience in transforming data and analyses into easily digestible and visually accessible dashboards and reports
• Experience documenting non-technical business requirements and translating into technical rules
• Experience in developing and delivering regulatory reporting
• Strong attention to detail and ability to understand risks andintegration/interdependencyof risks
• Experience in data quality and best practice design concepts

Job Expectations:

West Des Moines, Iowa (IA) – 800 S. Jordan Creek Parkway

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

About this role:

Wells Fargo is seeking aYou will be responsible for highly sophisticated data visualization and reporting. To be successful, you will need to bring an end-to-end analytical toolkit that includes extracting data from the Teradata warehouse with SQL; creating data visualizations with Tableau/Power BI; validating and refining findings by partnering with subject matter experts that are in a matrixed organization; creating all required control documentation; and finally completing peer review functional testing.

In this role, you will:

• Manage the design, development, implementation, and management of business intelligence and reporting solutions
• Ensure reporting processes and solutions are designed and created according to business requirements and published processes and procedures
• Complete risk-mitigating activities including code testing, peer review, consolidation of similar recurring processes and reports, and best-in-class documentation (i.e. BRDs, FSDs) that is structured for consistency and is easy to understand by multiple levels of reviewers, partners, and regulatory agents
• Work in partnership with other senior members of the team to drive change and mentor/develop other team members that have diverse skillsets and backgrounds. Be proficient in engaging technical and non-technical stakeholders ​
• Advise experienced leadership to develop or influence analytical strategies and advanced data visualization for complex business and technical needs
• Design and lead complex projects, analyses, and application of techniques across the enterprise
• Engage with peers, managers risk, compliance, managers across the enterprise, and serve as an expert advisor to leadership team

Required Qualifications:

• 7+ years of Analytics, Reporting, Financial Modeling or Statistics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 3+ years of BI (Tableau or Power BI or SAS) development experience
• 3+ years of Teradata warehouse experience with SQL

Desired Qualifications:

• Experience with Development tools (JIRA and Github)
• Experience with Power Automate and Power Apps
• Experience with functional testing of large complex data sets
• Strong analytical skills with high attention to detail and accuracy
• Advanced knowledge and understanding of data visualizations (Prefer Power BI)
• Experience in transforming complex data and analyses into easily digestible and visually accessible dashboards and reports
• Experience documenting non-technical business requirements and translating into technical rules
• Experience in developing and delivering regulatory reporting
• Strong attention to detail and ability to understand risks andintegration/interdependencyof risks
• Demonstrated success in building consensus among stakeholders and navigating obstacles to achieve shared goals.

Job Expectations:

West Des Moines, Iowa (IA) – 800 S. Jordan Creek Parkway

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role you will:

• Participate in soliciting residential mortgages from various sources
• Produce high quality loans which are compliant and provide excellent customer service
• Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
• Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market
• Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
• Understand real estate appraisals, title reports, and real estate transactions
• Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs
• Review and analyze low to moderately complex financial and credit data; match customer needs with an appropriate loan program and level of risk
• Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication
• Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements
• 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 Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education

Desired Qualifications:

• Basic Microsoft Office skills
• Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
• Excellent verbal, written, and interpersonal communication skills
• Mortgage industry experience
• Knowledge and understanding of sales prospecting and generating referrals
• Experience developing and cultivating professional relationships
• Customer service experience

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) website(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 lift 20+ pounds
• Reliable transportation
• Ability to work nights, weekends, and/or holidays as needed or scheduled

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Being the cybersecurity partner of choice, protecting our digital way of life.

Your Impact

• Assist in the development of internal infrastructure design for research, development, and testing focused on offensive security
• Conducts periodic scans of networks to find and detect vulnerabilities
• Performs client penetration testing to find any vulnerabilities or weaknesses that might be exploited by a malicious party, using open-source, custom, and commercial testing tools
• Ability to assist in scoping engagements by clearly articulating various penetration approaches and methodologies to audiences ranging from highly technical to executive personnel
• Report generation that clearly communicates testing and assessment details, results, and remediation recommendations to clients
• Develop scripts, tools, and methodologies to automate and streamline internal processes and engagements
• Conducts IT application testing, cybersecurity tool and systems analysis, system and network administration, and systems engineering support for the sustainment of information technology systems. (mobile application testing, penetration testing, application, security, and hardware testing)
• Conduct threat hunting and/or compromise assessment engagements to identify active or dormant indicators of compromise (IoCs) using Unit 42 and Palo Alto Networks’ threat hunting tools (and/or client owned hunting instrumentation where applicable)
• Assist Unit 42 Leadership in the development of security standards and best practices for the organization and recommend security enhancements as needed
• Able to conduct cyber risk assessments using frameworks or standards like NIST CSF, ISO 27001/2, PCI, CIS Top 20, CMMC, or other industry measurement tools
• Conduct cloud penetration testing engagements to assess specific workloads (i.e., AWS, GCP, Azure, containers, or other PaaS and SaaS instances) for vulnerabilities and subsequently attempt to exploit identified weaknesses after receiving permission from client stakeholders
• Provide recommendations to clients on specific security measures to monitor and protect sensitive data and systems from infiltration and cyber-attacks including response and recovery of a data security breach
• Ability to perform travel requirements as needed to meet business demands (on average 30%)

Your Experience

• 6+ years of professional experience in an offensive security role, resulting in subject matter expertise in at least three core service offerings - network penetration testing, phishing, web application penetration testing, red team exercises, physical penetration tests, source code analysis, wireless penetration testing
• Experience managing a team of consultants
• Demonstrate a deep understanding of how malicious software works (i.e.-malware, trojans, rootkits, etc.)
• Ability to modify known and/or craft custom exploits in a manner that evades detection from prominent EDRs
• Strong knowledge of tools and techniques used to conduct network, wireless, and web application penetration testing
• Familiarity with web application penetration testing and code auditing to find security gaps and vulnerabilities
• Knowledge and experience in conducting cyber risk assessments using industry standards
• Experience with penetration testing, administering, and troubleshooting major flavors of Linux, Windows, and major cloud IaaS, PaaS, and SaaS providers (i.e., AWS, GCP, and Azure)
• Experience with scripting and editing existing code and programming using one or more of the following - Perl, Python, ruby, bash, C/C++, C#, or Java
• Experience with industry standard tools, including Nessus, OpenVAS, Mythic, Metasploit, Burp Suite Pro, Cobalt Strike, and Bloodhound
• Knowledge of application, database, and web server design and implementation
• Knowledge of network vulnerability assessments, web and cloud application security testing, network penetration testing, red teaming, security operations, or 'hunt'
• Knowledge of open security testing standards and projects, including OWASP & MITRE ATT&CK
• Ability to scope new opportunities with prospective clients, including drafting statements of work and proposals
• Identified ability to grow into a valuable contributor, specifically
  • have an external presence via public speaking, conferences, and/or publications
  • have credibility, executive presence, and gravitas
  • be able to have a meaningful and rapid delivery contribution
  • have the potential and capacity to understand all aspects of the business and an excellent understanding of PANW products
  • be collaborative and able to build relationships internally, externally, and across all PANW functions, including the sales team
• Bachelor’s Degree in Information Security, Computer Science, Digital Forensics, Cyber Security, or equivalent years of professional experience or equivalent military experience to meet job requirements and expectations

• Mandatory DoD Security Clearance Requirements

• This position requires an active DoD clearance at the Top Secret/Sensitive Compartmented Information (TS/SCI) level; Counterintelligence Scope Polygraph preferred but not required

• Mandatory Location and Onsite Support Requirements

• All applicants must live near a major US military installation to facilitate support for an ongoing DoD contract; close proximity to Fort Meade is preferred. Any proposed military installation other than Fort Meade shall be subjected to approval by our client. Questions regarding approved locations can be coordinated with either the PANW recruiter or Unit 42 interviewers during the early phases of a candidate’s evaluation process.
• The candidate will be required to work onsite within a classified workspace at a US military installation for the first year of employment. Continued onsite work may be required in response to client requirements or contract renewal.

Compensation Disclosure

The compensation offered for this position will depend on qualifications, experience, and work location. For candidates who receive an offer at the posted level, the starting base salary (for non-sales roles) or base salary + commission target (for sales/commissioned roles) is expected to be between $151000 - $208000/YR. The offered compensation may also include restricted stock units and a bonus. A description of our employee benefits may be found .

All your information will be kept confidential according to EEO guidelines.

In this role, you will:

• Lead cross functional teams to strategize, plan, and execute a variety of programs, services, and initiatives.
• Work with key stakeholders to identify issues, create corrective actions, create, and implement effective controls to mitigate risks.
• Lead risk assessments, control evaluations and audit/regulatory responses
• Develop and implement policies, procedures and best practices related to product lifecycle and risk management
• Track and monitor program deliverables, key milestones, and compliance with internal and external requirements
• Support financial planning, investment tracking, and resource allocation routines tied to product delivery
• Make decisions in highly complex and multifaceted situations requiring solid understanding of business group's functional area or products, facilitate decision making and issue resolution, and support implementation of developed solutions and plans.
• Collaborate and consult with members of the Business Execution team and team leaders to drive strategic initiatives.
• Influence, guide, and lead less experienced staff within the group.
• Review strategic approaches and effectiveness of support function and business performance.

Required Qualifications:

• 5+ years ofBusiness Execution, Implementation, or Strategic Planningexperience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 3+ years KYC/Financial Crimes experience - Beneficial Ownership, CDD, EDD, Screening, etc.
• 3+ years of direct experience in issues management, corrective actions, control design, control execution, or RCSA support.
• 3+ years of Product Management, Product Owner, product development, strategic planning, process management, and/or change delivery experience.
• 3+ years of experience in user acceptance testing (UAT) and production validation.
• 3+ years working in or with lean and agile software delivery teams.
• Demonstrated experience creating and managing roadmaps, strategies, and products ranging from concepts in ideation through to market delivery.
• Lead the development and execution of complex business plans, programs and initiatives which have impact across the enterprise with broad impact.
• Excellent verbal, written, and interpersonal communication skills.
• Demonstrable experience of engaging executives and other stakeholders to support important business decisions.

Job Expectations:

• This position offers a hybrid work schedule.
• This position is not eligible for Visa sponsorship
• Ability to travel up to 10% of the time

Locations:

• 800 S Jordan Creek Pkwy WEST DES MOINES, IA 50266
• 1525 W W T Harris Blvd CHARLOTTE, NC 28262

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.