Wells Fargo Credit Risk Specialist - US Mortgage Underwriting 

India, Telangana, Hyderabad 

146049504

In this role, you will:

• Participate in less complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk.
• Lead, develop, and implement strategic initiatives and processes to drive the company credit culture, appetite, and business performance.
• Review and analyze reports to assess and predict risk and monitor performance that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables.
• Receive direction from leaders Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements.
• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals.
• Interact with internal customers.

Required Qualifications:

• 2+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications:

• Provide an independent and thorough examination of credit decisions, providing credible challenge to credit decisions, policies, and strategies .
• Collaborate with business partners to drive recommendations for change or corrective action, research outcomes of credit decision reviews and engage in vetting process.
• Provide leadership, guidance and subject matter expertise to peers, business partners and CCSE management.
• Escalate issues identified within account reviews for proper evaluation and vetting.
• May lead quality reviews, which involves obtaining review data, developing test scripts, analyzing review scope, prioritizing work, and assigning reviews to peers.
• 7+ years of experience in end-to-end underwriting .
• Experience in reviewing and analyzing all the 4C’s of underwriting and should have the ability to make the credit decision.
• End-to-end underwriting i.e. live underwriting/post close underwriting/post funding quality of conforming and non-conforming loan applications .
• Excellent verbal and written communication skills and interpersonal communication skills.
• Experience with Consumer Lending new account and portfolio management underwriting credit decisions and policies.
• Strong analytical skills, including the ability to complete data investigations with high attention to detail and accuracy.
• Knowledge of new application and servicing underwriting platforms.
• Strong understanding of income analysis including self-employment cash flow.
• Judgmental quality review experience.
• Leadership skills including coaching, training, and mentoring.
• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change.

Job Expectations:

• Experience of working across one or more geographic territories or regions
• Knowledge and understanding of market and counterparty risk management.
• Strong organizational, multi-tasking, and prioritizing skills
• Ability to work in a fast-paced deadline driven environment.
• Ability to identify inefficiencies and opportunities to improve the process.
• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment.
• Shift Timings: 1:30 PM to 10:30 PM.

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Wells Fargo Recruitment and Hiring Requirements:

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