דרושים Loan Documentation Processor ב-Wells Fargo ב-Philippines, Maypajo

In this role, you will:

• Support in performing a variety of loan documentation duties on moderately complex loans to ensure compliance with company's policies and procedures for loan products
• Perform loan documentation for moderately complex loans
• Process and close for loan products
• Interpret Loan Documentation policies while analyzing applicant, property, and documentation, ordering all required verifications, documentation, and subsequent follow ups
• Receive direction from Loan Documentation supervisor and escalate non-routine questions
• Manage an assigned pipeline of loans and provide guidance and training to other Loan Documentation individuals
• Interact with immediate Loan Documentation team and functional area on routine process

Required Qualifications:

• 2+ years of customer service, loan administration, collections, or sales environment experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

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 and provide support for low-complexity matters pertaining to the business’ policy and regulatory adherence, risk mitigation, or control efforts

• Research, review, document, and present findings related to issues, records, policies, and procedures for which answers can be quickly obtained

• Receive direction from supervisors and exercise judgment within defined parameters while developing understanding of function, policies, procedures, records, and other business information

• Collaborate and consult with peers, colleagues, and managers to implement actions in support of risk-mitigation and control initiatives

Required Qualifications:

• 3 to 6 years of US residential mortgage processing and underwriting experience with experience in income calculation, credit and assets review

• Working knowledge on Agency / Conventional loan Underwriting for primary residence (Purchase and Refinance)

• Graduate incommerce/finance/managementstream

Desired Qualifications:

• Basic Microsoft Office skills

• Excellent verbal, written, and interpersonal communication skills

• Strong analytical skills with high attention to detail and accuracy

• Ability to take initiative and drive for results with minimal supervision

• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex fast paced environment

Job Expectations:

• Perform in-depth review of mortgage loan file including Credit, Capacity, Capital and Collateral documents

• Detailed review of Credit related documents such as Credit Report fromExperian/Transunion/Equifax,Credit Supplements, Mortgage Statement, and Letter of Explanation etc.

• Detailed review of Capacity related documents such as Paystub, W2, VOE, Award letters and Bank Statements etc.

• Detailed review of Capital related documents such as Bank Statements, Gift letter, Stocks and Bonds etc.

• Detailed review of Collateral related documents such as Property Appraisal Report, Flood Report, and Purchase Agreement etc.

• Recommend borrower’s eligibility in accordance with internal policies and procedures, agency guidelines and overlays utilizing Automated Underwriting System (AUS)

• Ability to identify potential red flags relating to customer information, income, assets, property, all parties to the transaction, etc.

• Analyze risks and offsets related to performing in-depth, prefund loan reviews. Present recommendations for resolving various issues related to reviews and loan files

• The candidate must be willing to work within US hours

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 research, assessment, and documentation of matters relating to the business’ policy and regulatory adherence, risk mitigation, or control efforts; identify patterns and trends and looks for opportunities for procedural or control improvements within area of focus

• Conduct assessments and analysis of basic business or operational outcomes, systems of record, technical assignments, documentation, procedures, or challenges that require research, evaluation, and selection of alternatives; exercise independent judgment to guide completion of medium risk deliverables

• Present concise and well-articulated findings and recommendations, including rationale, to facilitate resolution of identified matters; exercise independent judgment while developing expertise in the risk mitigation or control activities of the business

• Engage in additional research and studies to enhance regulatory knowledge

• Collaborate and consult with colleagues, internal partners, and other business stakeholders to provide feedback, credibly challenge issues, and calibrate, as needed, to ensure alignment, consistency, and accuracy across groups

• Participate in cross-organizational or internal operational initiatives and improvement efforts

Required Qualifications:

• 2+ years of risk management, business controls, quality assurance, business operations, compliance, or process experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 2+ years of overall experience with previous experience within US residential mortgage underwriting environment, managing varied workflows.

• Graduate incommerce/finance/managementstream

• Experience in operations support, or equivalent demonstrated through one or a combination of the following: work experience, training, education

• Strong analytical skills with high attention to detail and accuracy

• Excellent verbal, written, and interpersonal communication skills

• Strong stakeholder management and stateside partnership skills

Job Expectations:

• Perform in-depth review of mortgage loan file including Credit, Capacity, Capital and Collateral documents

• Detailed review of Credit related documents such as Credit Report fromExperian/Transunion/Equifax,Credit Supplements, Mortgage Statement, and Letter of Explanation etc.

• Detailed review of Capacity related documents such as Paystub, W2, VOE, Award letters and Bank Statements etc.

• Detailed review of Capital related documents such as Bank Statements, Gift letter, Stocks and Bonds etc.

• Detailed review of Collateral related documents such as Property Appraisal Report, Flood Report, and Purchase Agreement etc.

• Recommend borrower’s eligibility in accordance with internal policies and procedures, agency guidelines and overlays utilizing Automated Underwriting System (AUS)

• Ability to identify potential red flags relating to customer information, income, assets, property, all parties to the transaction, etc.

• Analyze risks and offsets related to performing in-depth, prefund loan reviews. Present recommendations for resolving various issues related to reviews and loan files

• The candidate must be willing to work within US hours

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 and provide support for low-complexity matters pertaining to the business’ policy and regulatory adherence, risk mitigation, or control efforts

• Research, review, document, and present findings related to issues, records, policies, and procedures for which answers can be quickly obtained

• Receive direction from supervisors and exercise judgment within defined parameters while developing understanding of function, policies, procedures, records, and other business information

• Collaborate and consult with peers, colleagues, and managers to implement actions in support of risk-mitigation and control initiatives

Required Qualifications:

• 6+ months of risk management, business controls, quality assurance, business operations, compliance, or process experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 6+ months of US residential mortgage processing and underwriting experience with experience in income calculation, credit and assets review

• Working knowledge on Agency / Conventional loan Underwriting for primary residence (Purchase and Refinance)

• Graduate incommerce/finance/managementstream

• Basic Microsoft Office skills

• Excellent verbal, written, and interpersonal communication skills

• Strong analytical skills with high attention to detail and accuracy

• Ability to take initiative and drive for results with minimal supervision

• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex fast paced environment

Job Expectations:

• Perform in-depth review of mortgage loan file including Credit, Capacity, Capital and Collateral documents

• Detailed review of Credit related documents such as Credit Report fromExperian/Transunion/Equifax,Credit Supplements, Mortgage Statement, and Letter of Explanation etc.

• Detailed review of Capacity related documents such as Paystub, W2, VOE, Award letters and Bank Statements etc.

• Detailed review of Capital related documents such as Bank Statements, Gift letter, Stocks and Bonds etc.

• Detailed review of Collateral related documents such as Property Appraisal Report, Flood Report, and Purchase Agreement etc.

• Recommend borrower’s eligibility in accordance with internal policies and procedures, agency guidelines and overlays utilizing Automated Underwriting System (AUS)

• Ability to identify potential red flags relating to customer information, income, assets, property, all parties to the transaction, etc.

• Analyze risks and offsets related to performing in-depth, prefund loan reviews. Present recommendations for resolving various issues related to reviews and loan files

• The candidate must be willing to work within US hours

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 performing financial research, underwriting, and structuring of highly complex private banking as well as consumer and mortgage relationships within Commercial Banking Portfolio Management functional area
• Review and research business financial statements and tax returns that require an in-depth evaluation of multiple factors
• Resolve moderately complex issues and lead Commercial Banking Portfolio Management team, to meet project deliverables, while leveraging solid understanding of the function, policies, procedures, and compliance requirements
• Collaborate and consult with Commercial Banking Portfolio Management peers, colleagues, and mid level managers to resolve issues and achieve goals
• Lead projects and teams or serve as a mentor for less experienced individuals

Required Qualifications:

• 4+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• MBA Finance/Master's in Finance/Commerce
• Experience in assessing credit worthiness of the borrowers based on qualitative and quantitative factors.
• Ability to read & analyze financialstatements.
• Should be able to handle subjectivity in the financial analysis and substantiate with reasons.
• Excellent communication skills.
• Excellent knowledge of MS office application.
• Ability to work quickly & accurately while maintaining acceptable standards of workmanship.
• Flexibility to work in different shifts.

Job Expectations:

• Responsible for performing financial analysis, calculating financial covenants, calculating yield, performing revenue analysis and preparing the financing memorandum

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:

• Provide support in performing loan documentation duties on the most complex loan packages to ensure compliance with company's policies and government regulations
• Process or close loans and act as a main point of contact for internal or external customers during the loan process
• Perform administrative, operational, or customer support tasks related to complex loan packages
• Manage an assigned pipeline of all loan types relative to business line
• Provide subject matter expertise and interpretation of procedures to the team of Loan Documentation specialists to ensure timely completion of work
• Interact with immediate Loan Documentation team, functional area, and internal peers outside work group on information related to the routine loan documentation process

Required Qualifications:

• 4+ years of customer service, loan administration, collections, or sales environment experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Similar Experience in loan administration is required

Job Expectations:

• US Shift
• Open to working onsite in Mckinley, Taguig

Wells Fargo Recruitment and Hiring Requirements:

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

• Support the Loan Documentation team in reviewing, documenting, closing, and disbursing loans
• Review the most complex legal, appraisal, and title information
• Prepare loan documentation, coordinate loan closings, and initiate loan disbursements
• Monitor the loan disbursement process
• Perform or guide others on complex loans that require planning, evaluation, and interpretation
• Ensure compliance with company's policies and procedures
• Identify and mitigate Loan Documentation risks in accomplishing business goals
• Prioritize work and provide day to day work leadership and mentorship to the Loan Documentation team
• Provide guidance and subject matter expertise to the immediate Loan Documentation team on generating loans, as well as technical and legal guidance within matters related to loan documentation

• 6+ years of customer service, loan administration, collections, or sales environment experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• Preferred Mortgage experience
• Understanding of US Mortgage process related TRID regulations
• Experience in US Mortgage Closing process is a must
• MS Office Proficient
• Experience in Customer Telecommunication Contact within a Financial Services Environment, Financial Services Operations, Underwriting, Closing and Quality Assurance experience, or equivalent demonstrated through one or a combination of the following: work experience, training, & education

• Provide support in performing loan documentation closing duties on complex loan packages to ensure compliance with company's policies and government regulations
• Process or close loans. Interact with 3rd Party Settlement agents to prepare and deliver closing documents.
• Perform administrative, operational, or customer support tasks related to complex loan packages
• Manage an assigned pipeline of all loan types relative to business line
• Provide subject matter expertise and interpretation of procedures to the team of Senior Loan Documentation specialists to ensure timely completion of work
• Interact with immediate Loan Documentation team, functional area, and internal peers outside work group on information related to the routine loan documentation process
• Excellent Spoken and written communication skills
• Proactively engage with internal bank stakeholders, third parties, settlement agents via telephone, email to gather necessary information, documentation, clarify information & resolve mortgage closing conditions
• Ability to conduct clear and customer centric telephone conversations to explain underwriting decisions, documentation requirements and next steps in the mortgage process
• Effectively handle both inbound and outbound calls maintaining high levels of responsiveness and timely follow ups
• Demonstrate active listening skills to accurately capture information and address concerns.
• Maintain accurate call logs, documenting key points and outcomes of the telephonic conversations for audit purposes
• Collaborate cross functionally with Processing & Sales teams for seamless communication, queue management and customer satisfaction
• The candidate must be willing to work within US hours typically between 09:00PM- 06:00AM Manila

Wells Fargo Recruitment and Hiring Requirements:

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