דרושים Mortgage Underwriting Manager Vp ב-Wells Fargo ב-Philippines, Maypajo

In this role, you will:

• Be responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines
• Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, or other supporting documentation to recommend or approve requests within deaccessioning authority levels by way of automated scoring system or traditional underwriting
• Assist with the calculations and preparation of reports for review
• Respond to customer inquiries and credit decisions
• Ensure credit files are current, complete, and compliant with company standards
• Contact customers and partners to gather information to make appropriate decisions, and explain rationale behind credit decisions
• Receive direction from leaders and exercise judgment while developing understanding of the Underwriting procedures
• Provide information to team, managers and customers to related inquiries

Required Qualifications:

• 6+ months of underwriting, loan processing, originations, or closing 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:

• Manage and develop teams of individual contributors and managers in roles with moderate work complexity and risk in the Operations functional area
• Work with more experienced management to develop and execute business strategies
• Identify and recommend opportunities for process improvement and risk control development within the Operations functional area
• Develop and implement business unit strategies
• Provide expertise for technical, operational and processing functions related to business unit
• Determine appropriate strategy and actions of Operation management functional team to meet moderate to high risk deliverables
• Interpret and develop policies and procedures for functions with moderate complexity within scope of responsibility across business lines or functional areas
• Collaborate and influence all levels of professionals including more experienced managers
• Lead team to achieve objectives
• Engage and influence stakeholders, internal partners and peers associated with the function or affected by its outcomes
• Manage allocation of people and financial resources for Operations
• Develop and guide a culture of talent development to meet business objectives and strategy

Required Qualifications:

• 6+ years of Operations experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 3+ years of management or leadership experience

Desired Qualifications:

• 6+ years of Lending experience with 5+ years of managing Credit Underwriting function at scale
• 3+ years of people management experience
• In depth understanding of Home Lending processes, Mortgage production: Origination, Applications, Processing, Underwriting, Closing and Funding
• Candidate having underwriter credit authority in the past is preferred
• College graduate
• Amenable to work on US shift or night shift

Job Expectations:

• Manage and develop a team of multiple US Residential Underwriting, Processing, Closing teams while ensuring successful planning, integration, impasse resolution, and measurement of operations with moderate to high complexity and visibility
• Engage functional leaders to obtain resources, influence outcomes, address conflict, and ensure alignment with Wells Fargo's policies and business line objectives
• Identify potential risks when implementing change along with developing mitigation strategies and plans
• Interpret procedures and processes, and provide leadership to strategize and execute a variety of programs, services, and initiatives that are significant in scope, complexity, and risk
• Collaborate with and influence functional business partners, leaders, and executive management to provide support and drive strategic initiatives for the business
• Develop and guide a culture of talent development to meet business objectives and strategy
• Lead initiatives for HLO Retail Production team
• Engage LOB partners at a strategic level for Underwriting and HLO Retail
• Manage on-going account relationships
• Conceptualize, agree and drive strategies to add value to the business
• Provides leadership in the integration / implementation of programs / services / initiatives with cross functional business partners, recognizing the significance of competing priorities and strategies and adjusting as necessary
• Interacts with leadership and stakeholders in India and Stateside to establish strategic plans and objectives for program management
• To build and structure a comprehensive organizational design
• Handle critical and complex manufacturing tasks as part of the fulfillment transformation model
• Provide insights and assist leaders in building effective process metrics
• Manage Business Initiatives and series of programs associated with business strategies to obtain benefits and controls
• Responsible for leading project teams and managing all activities in project life cycle across multiple departments within Retail Line of Business
• Works with users to understand complex problems and focuses on bringing issues to resolution, escalating as necessary to meet timelines
• Develops metrics and evaluates performance of processes, programs, and initiatives
• Make decisions and resolve issues related to business operations under direction of the Underwriting management
• Ability to understand data, identify gaps and generate timely alerts to reduce / eliminate gaps / risks
• Proactively engage with internal bank stakeholders, third parties, settlement agents via telephone to gather necessary information, documentation, clarify information & resolve underwriting conditions
• Ability to conduct clear and customer centric telephone conversations to explain underwriting decisions, documentation requirements and next steps in the mortgage process
• Collaborate cross functionally with Underwriting, Processing, Closing & Sales teams for seamless communication and customer satisfaction

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:

• Supervise the daily activities of a Loan Production or Loan Servicing team to ensure timely completion, quality, and compliance in Lending Operations functional area
• Provide quality customer service to internal and external customers
• Identify opportunities for process improvement and risk control development in loan production or loan servicing activities
• Make day to day supervisory or tactical decisions related to Lending Operations functional area
• Resolve issues related to loan processing, documentation, pre-closing tasks, loan servicing activities, or underwriting under the direction of management
• Ensure compliance with Wells Fargo investor, legal, regulatory, or business policies
• Collaborate and consult with bank departments, vendors, merchants, clients, or investors
• Manage allocation of people and financial resources for Lending Operations
• Mentor and guide talent development of direct reports and assist in hiring talent

Required Qualifications:

• 2+ years of Transactions and Processing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, education
• 1+ years of Leadership experience

Desired Qualifications:

• College graduate
• At least 2yrs of Transactions and Processing experience
• At least 1yr of Leadership experience

Wells Fargo Recruitment and Hiring Requirements:

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

Department Overview:

• Wells Fargo US Home Lending is on a mission to help more individuals and families, especially in minority communities achieve the dream of homeownership. As we enter an exciting growth phase, we’re building a powerhouse team in Manila to be part of our pioneer workforce to deliver exceptional service, drive innovation, and shape the future of Home Lending Operations in the Philippines.

About this role:

• Wells Fargo is seeking to hire Operations Managers to be part of our Home Lending Closing Operations. The role is responsible for activities that support the operational infrastructure, performance, and efficiency.

In this role, you will:

• Manage and develop one or more specialized customer service and operations functional teams within Operations area with complex and risk in functional area
• Develop strategies to improve staffing processes, ensure specialized functions meet regulatory guidelines in support of risk management and compliance
• Engage stakeholders and internal partners associated within the Operations area
• Work independently on moderately complex issues and projects
• Identify opportunities for process improvement and risk control development and escalates issues to more experienced management
• Provide training, performance, evaluation and coaching of less experienced team
• Make decisions and resolve issues regarding resources, objectives and operations of functional area and team to meet business objectives
• Interpret and develop policies and procedures for operation functions with low to moderate complexity within scope of responsibility
• Provide responsibility for budget and financial performance
• Collaborate and influence all levels of professionals including more experienced managers
• Lead team to achieve objectives
• Manage allocation of people and financial resources for Operations
• Mentor and guide talent development of direct reports and assist in hiring talent

Required Qualifications:

• 4+ years of Operations experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 2+ years of leadership experience

Desired Qualifications:

• Preferred US Mortgage overall professional experience of 8+ years
• Understanding of US Mortgage process & related TRID regulations
• Experience in managing US Mortgage Closing process is a must
• MS Office Proficient & Data Analysis
• Experience in Customer Telecommunication Contact within a Financial Services Environment, Financial Services Operations, Closing Underwriting, and Quality Assurance experience, or equivalent
• College graduate, preferred

Job Expectations:

• The candidate must be willing to work within US hours or night shift
• The candidate must be amenable to work on hybrid set-up (3x2), Mckinley Hills, Taguig
• Demonstrated knowledge/background in Closing including, CD TRID Regulation, Type of Payoff/calculation, Homeowner insurance, Vesting, State specific signature requirements & understand of Tax/HOI payment
• Excellent Spoken and written communication skills
• Proactively engage with internal bank stakeholders, third parties, settlement agents via telephone 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 and customer satisfaction

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.

Department Overview:

• Wells Fargo US Home Lending is on a mission to help more individuals and families, especially in minority communities achieve the dream of homeownership. As we enter an exciting growth phase, we’re building a powerhouse team in Manila to be part of our pioneer workforce to deliver exceptional service, drive innovation, and shape the future of Home Lending Operations in the Philippines.

About this role:

• Wells Fargo is seeking to hire a Mortgage Underwriting Associate Manager, internally known in the organization as Business Accountability Associate Manager .
• The role

In this role, you will:

• Supervise coordinators in performance of less complex tasks and processes to ensure timely completion, quality, and compliance of assigned work
• Identify opportunities for process improvement, risk management, and control opportunities
• Make day-to-day supervisory and tactical decisions and resolve issues related to team supervision, work allocation, and daily operations under direction of senior management; leverage interpretation of existing policies, procedures, and compliance requirements
• Collaborate with and consult with peers, colleagues, and mid-level managers
• Manage allocation of people and financial resources for aligned department or business group
• Be responsible for selection, evaluation, and development of staff

Required Qualifications:

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

Desired Qualifications:

• Experience in Business Execution, Implementation, Strategic Planning, or equivalent
• 6+ years of overall experience with at least 3+ years of previous experience within US residential mortgage underwriting environment, managing varied workflows.
• 2+ years of team leadership or management experience
• NMLS Safe Act Mortgage Loan Originator (MLO) License, a strong advantage but not required
• Strong analytical skills with high attention to detail and accuracy
• Excellent verbal, written, and interpersonal communication skills
• Strong stakeholder management and stateside partnership skills
• College graduate, preferred

Job Expectations:

• The candidate must be willing to work within US hours or night shift
• The candidate must be amenable to work on hybrid set-up (3x2), Mckinley Hills, Taguig
• Supervise a team in underwriting tasks and processes to ensure timely completion, quality, and compliance for the business
• Mitigate risk development within the operations of work groups and functional areas
• Make day to day supervisory decisions and, under the direction of management, resolve issues for procedure administration and adherence, systems or change initiatives, business continuity planning, reporting and research, project funding, quality management, communications, financial control, and internal processing of colleagues
• Leverage interpretation of policies, procedures, or compliance requirements for the business group
• Deep knowledge and understanding of mortgage and/or home equity processes
• In-depth understanding of end-to-end Home Lending Operations: origination, processing, underwriting, closing and funding
• Demonstrated knowledge/background in underwriting including credit scoring, credit systems, credit bureaus, and judgmental decisioning processes
• Proactively engage with internal bank stakeholders, third parties, settlement agents via telephone to gather necessary information, documentation, clarify information & resolve underwriting conditions
• Ability to conduct clear and customer centric telephone conversations to explain underwriting decisions, documentation requirements and next steps in the mortgage process
• Maintain accurate call logs, documenting key points and outcomes of the telephonic conversations for audit purposes
• Collaborate cross functionally with Processing, closing & Sales teams for seamless communication and customer satisfaction

.

Wells Fargo Recruitment and Hiring Requirements:

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

Department Overview:

• Wells Fargo US Home Lending is on a mission to help more individuals and families, especially in minority communities achieve the dream of homeownership. As we enter an exciting growth phase, we’re building a powerhouse team in Manila to be part of our pioneer workforce to deliver exceptional service, drive innovation, and shape the future of Home Lending Operations in the Philippines.

About this role:

• Wells Fargo is seeking to hire a Mortgage Underwriting Associate Manager, internally known in the organization as Business Accountability Associate Manager .
• The role

In this role, you will:

• Supervise coordinators in performance of less complex tasks and processes to ensure timely completion, quality, and compliance of assigned work
• Identify opportunities for process improvement, risk management, and control opportunities
• Make day-to-day supervisory and tactical decisions and resolve issues related to team supervision, work allocation, and daily operations under direction of senior management; leverage interpretation of existing policies, procedures, and compliance requirements
• Collaborate with and consult with peers, colleagues, and mid-level managers
• Manage allocation of people and financial resources for aligned department or business group
• Be responsible for selection, evaluation, and development of staff

Required Qualifications:

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

Desired Qualifications:

• Experience in Business Execution, Implementation, Strategic Planning, or equivalent
• 6+ years of overall experience with at least 3+ years of previous experience within US residential mortgage underwriting environment, managing varied workflows.
• 2+ years of team leadership or management experience
• NMLS Safe Act Mortgage Loan Originator (MLO) License, a strong advantage but not required
• Strong analytical skills with high attention to detail and accuracy
• Excellent verbal, written, and interpersonal communication skills
• Strong stakeholder management and stateside partnership skills
• College graduate, preferred

Job Expectations:

• The candidate must be willing to work within US hours or night shift
• The candidate must be amenable to work on hybrid set-up (3x2), Mckinley Hills, Taguig
• Supervise a team in underwriting tasks and processes to ensure timely completion, quality, and compliance for the business
• Mitigate risk development within the operations of work groups and functional areas
• Make day to day supervisory decisions and, under the direction of management, resolve issues for procedure administration and adherence, systems or change initiatives, business continuity planning, reporting and research, project funding, quality management, communications, financial control, and internal processing of colleagues
• Leverage interpretation of policies, procedures, or compliance requirements for the business group
• Deep knowledge and understanding of mortgage and/or home equity processes
• In-depth understanding of end-to-end Home Lending Operations: origination, processing, underwriting, closing and funding
• Demonstrated knowledge/background in underwriting including credit scoring, credit systems, credit bureaus, and judgmental decisioning processes
• Proactively engage with internal bank stakeholders, third parties, settlement agents via telephone to gather necessary information, documentation, clarify information & resolve underwriting conditions
• Ability to conduct clear and customer centric telephone conversations to explain underwriting decisions, documentation requirements and next steps in the mortgage process
• Maintain accurate call logs, documenting key points and outcomes of the telephonic conversations for audit purposes
• Collaborate cross functionally with Processing, closing & Sales teams for seamless communication and customer satisfaction

.

Wells Fargo Recruitment and Hiring Requirements:

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