Wells Fargo Senior Home Loan Underwriter 

Philippines, Maypajo 

957152615

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.