דרושים Senior Home Loan Underwriter 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:

• Support performance of less experienced Customer Service Representatives, new or enhanced services and procedural changes, and the overall effectiveness of team
• Provide feedback and present ideas for improving or implementing processes and tools with an overall customer service impact
• Perform complex customer support tasks
• Provide subject matter expertise and interpretation of procedures to less experienced Customer Service Representatives and provide direction to meet defined productivity and performance goals
• Interact with immediate team and communicate with other departments
• Support less experienced representatives and assist managers or supervisors on handling escalated inquiries or complaints
• Perform research to resolve complex customer problems
• Recommend areas needing improvement
• Interact with internal and external customers

Required Qualifications:

• 4+ years of Customer Service, Financial Services or Contact Center 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 multiple specialized teams of less experienced managers and professional individual contributors with focus on delivering highly complex tasks and risk services for cross functional stakeholders, internal partners associated with the function or affected by its outcome

• Work with senior management to develop and execute business plans

• Integrate efforts of cross department initiatives with core business objectives

• Identify opportunities and strategies for process improvement and risk control development within the Operations management functional area

• Provide expertise on managing the most highly complex technical and operational processes with cross-group impact

• Lead Operations management team by making strategic decisions to resolve highly complex issues to meet higher risk deliverables

• Interpret and develop range of policies and procedures relating to Operational management area

• Collaborate with and influence functional team on the operational processes and initiatives

• Provide training and guidance to less experienced staff

• 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:

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

• 4+ years of management or leadership experience

Desired Qualifications:

• Candidate must be a graduate of a bachelor’s degree or higher (MBA is an advantage)

• Candidate must have 8+ years of lending experience with years of managing US residential mortgage -credit underwriting, processing, closing functions at scale

• Candidate must have 4+ years of management experience in an executive function / position

• Must have an in-depth understanding of Home Lending processes - Mortgage production: origination, applications, processing, underwriting, closing, funding

• Candidate having underwriter credit authority in the past is preferred

• NMLS Safe Act Mortgage Loan Originator (MLO) License

• Candidate must be willing to work within US hours at Taguig City

Job Expectations:

• In this role, you will serve as one of the most senior leaders for Home Lending in the Philippines, fostering a world-class culture, attracting top talent, shaping strategic direction, and driving execution across multiple operational functions to deliver best-in-class customer service.

• As a transformational leader, you must demonstrate strongrelationship-buildingand negotiation skills with senior global business partners to champion premier customer experiences.

• Senior-level experience or exposure to global Change Management, Program Management, or Solutioning is preferred to support and advance our operational strategy.

• Exceptional communication, planning, and organizational skills are essential to thrive in a fast-paced, dynamic environment.

• Outstanding verbal, written, and interpersonal communication abilities are required to develop and elevate talent across the location.

• Proven experience in building and scaling high-performing teams, designing workflows, and optimizing operational models.

• Ability to champion excellence in Customer Experience, Controls, and Profitability, with a focus on delivering measurable impact.

• Manage and develop multiple US residential underwriting, processing, and closing teams of less experienced managers and professional individual contributors with a focus on delivering highly complex tasks and risk services for cross-functional stakeholders, internal partners associated with the function or affected by its outcome

• Engage LOB partners at a strategic level for HLO Retail

• Work with senior management to develop and execute business plans

• Identify opportunities and strategies for process improvement and risk control development for the functional area

• Operations management functional area

• Provide expertise in managing the most highly complex, technical, and operational processes with cross-group impact

• Lead Operations management team by making strategic decisions to resolve highly complex issues to meet higher risk deliverables

• Conceptualize, agree and drive strategies to add value to the business

• Provides leadership in theintegration/implementationofprograms/services/initiativeswith 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 Home Lending Operations

• Interpret and develop a range of policies and procedures relating to Operational management area

• Provide training and guidance for less experienced staff

• Manage allocation of people and financial resources for Operations

• Develop and guide a culture of talent development to meet business objectives and strategy

• 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 underwriting 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 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:

• Lead or participate in initiatives and projects within technology operations
• Contribute to planning related to technology operations projects or deliverables
• Analyze moderately complex technology operations issues which require in depth review
• Review and approve release change documents
• Execute and oversee production deployments, including but not limited stop and start job, updating processing tables, and write script
• Plan and design, document and enforce escalation policies and procedures
• Provide activity, progress and status reports to management and keeps management posted of any critical issues
• Provide accurate problem identification, ticket documentation, customer and vendor dialogue
• Troubleshoot and triage job failures and work closely with AD Production support and vendors to drive towards root cause identification and resolution
• Act as a subject matter professional on research issues escalated from Operations internal alerts, Help Desks, Support Groups and other departments
• Improve deployment processes and tools, architecture, design and day-to-day technical support, scheduling and governance models
• Direct the daily Risk and Control flow of operations, focusing on policies, procedures, and work standards to ensure success; re-engineering and driving continual service improvement
• Contribute to the resolution of complex issues
• Partner with others to meet technology operations deliverables while leveraging solid understanding of policies and procedures
• Collaborate with management and teams to handle questions or problems
• Act as a mentor for individuals

Required Qualifications:

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

Desired Qualifications:

• Candidate must be a graduate of a bachelor’s degree or higher
• Candidate must have IT Service Management and Incident & Change Management experience
• Must have experience and knowledge on M365 and Windows 11 Administration, Cloud PC and Intune Administration
• Candidate must have a working experience in ServiceNow and Jira
• Candidate must have a working experience in iOS devices
• Candidate must have a working experience in networking basics (Structured Cabling)
• Being a Cloud Certified is a plus (Azure, AWS, Google)

Job Expectations:

• Candidate must be willing to work on a 24x7 shift
• Candidate must be willing to work onsite

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:

• 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:

• Lead or participate in developing, implementing, and monitoring one or more Benefits programs designed to meet company and individual needs
• Be responsible for developing and maintaining relationships with other internal departments, third party vendors, and insurance providers
• Review and respond to enrollment and eligibility appeals
• Review Benefits programs and identify, define, and resolve complex issues which require an evaluation of various factors
• Independently resolve moderately complex issues and lead a team to meet business objectives within Benefits functional area
• Act as primary resource for plan interpretation from the Employee Service Center and vendors
• Collaborate and consult with Benefits peers, colleagues, and managers to resolve issues related to the Benefits programs and achieve business objectives
• Consult with Human Resources managers in development of Benefits programs and formulate recommendations regarding changes to current programs

Required Qualifications:

• 4+ years of Benefits 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.