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Wells Fargo Business Accountability Specialist Senior Home Loan Underwriter 
Philippines, Maypajo 
377439554

Today

pioneer workforceto deliver exceptional service, drive innovation, and shape the future of Home Lending Operations in the Philippines.


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:

  • Strong analytical skills with high attention to detail and accuracy
  • Excellent verbal, written, and interpersonal communication skills
  • Strong stakeholder management and stateside partnership skills
  • Experience in operations support, or equivalent demonstrated through one or a combination of the following: work experience, training, education
  • 2+ years of overall experience with at least 2+ years of previous experience within US residential mortgage underwriting environment, managing varied workflows.
  • Graduate incommerce/finance/managementstream


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
  • Utilize current knowledge of credit policy guidelines and procedures, use available tools and resources to recommend credit decision
  • Ability to clearly document the loan rationale findings in loan notes
  • Reviewstipulations/conditionsfor compliance and completion of loan file specific to the borrower profile, loan program and product
  • Receive direction from more experienced managers and exercise judgment on relevant reviews within rules and regulations while developing an understanding of internal company requirements
  • Provide communication regarding overall process and transaction quality to appropriate parties
  • 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
  • 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 Processing, Closing & Sales teams for seamless communication and customer satisfaction
  • The candidate must be willing to work within US hours
  • Must be willing to work onsite (Mckinley, Taguig)

29 Sep 2025


Wells Fargo Recruitment and Hiring Requirements:

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