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Conforming Mortgage Underwriter 3 - Full Time Remote - Birmingham, AL #7794920

Company: Wells Fargo

Date: 01/14/2021

City: Birmingham, AL

Employment type: Full-time

Job Description


Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as "Personal Cell" or "Cellular" in the contact information of your application.


At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.


Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.


Wells Fargo's Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it's buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending, Auto, Credit Cards, Retail & Merchant Services, Personal Lending, Consumer Lending Control, and Consumer Lending Shared Services.


The Consumer Lending team partners with other businesses across Wells Fargo to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices as well as online and digital channels.


Wells Fargo is looking to expand our Conforming Mortgage Underwriting Division and hire a number of Telecommute Mortgage Loan Underwriter 3's who have a strong desire and passion to deliver an exceptional experience in helping customers with their home loan applications. If you thrive on working with high accuracy and attention to detail and working with a team to meet customer needs, we want to talk to you!


Roles & Responsibilities:


Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager.


This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.


"Preferred locations are listed on the job posting. Other locations within the Wells Fargo footprint may be considered."


The salary range below is based on a full-time 40 hour a week schedule:


GA-Atlanta: Min: $56,800 Mid: $80,000 Max: $103,200


TX-Dallas: Min: $56,800 Mid: $80,000 Max: $103,200


TX-Austin: Min: $56,800 Mid: $80,000 Max: $103,200


TX-Houston: Min: $56,800 Mid: $80,000 Max: $103,200


TN-Nashville: Min: $56,800 Mid: $80,000 Max: $103,200


NY-Buffalo: Min: $56,800 Mid: $80,000 Max: $103,200


IN-Indianapolis: Min: $56,800 Mid: $80,000 Max: $103,200


AL-Birmingham: Min: $56,800 Mid: $80,000 Max: $103,200


NE-Omaha: Min: $56,800 Mid: $80,000 Max: $103,200


MO-Kansas City: Min: $56,800 Mid: $80,000 Max: $103,200


KS-Overland Park: Min: $56,800 Mid: $80,000 Max: $103,200


SC-Columbia: Min: $51,100 Mid: $72,000 Max: $92,900


OH-Columbus: Min: $56,800 Mid: $80,000 Max: $103,200


MS-Gulfport: Min: $51,100 Mid: $72,000 Max: $92,900


UT-Salt Lake City: Min: $56,800 Mid: $80,000 Max: $103,200


NV-Las Vegas: Min: $56,800 Mid: $80,000 Max: $103,200


AZ-Tucson: Min: $56,800 Mid: $80,000 Max: $103,200


CA-Fresno: Min: $56,800 Mid: $80,000 Max: $103,200


WA-Spokane: Min: $56,800 Mid: $80,000 Max: $103,200


ID-Boise: Min: $56,800 Mid: $80,000 Max: $103,200


NV-Reno: Min: $56,800 Mid: $80,000 Max: $103,200


MI-Birmingham: Min: $62,500 Mid: $88,000 Max: $113,500


FL-Jacksonville: Min: $56,800 Mid: $80,000 Max: $103,200


FL-Orlando: Min: $56,800 Mid: $80,000 Max: $103,200


FL-Tampa: Min: $56,800 Mid: $80,000 Max: $103,200


Denver, CO: Min:$56,800 MRP:$80,000 Max:$103,200


Salary offered dependent on location. May be considered for a discretionary bonus.


Benefits: Visit https://www.wellsfargo.com/about/careers/benefits/xqttzadavcxcbszsqyautyfrbst for benefits information.


Required Qualifications



  • 4+ years of underwriting experience
  • 4+ years of credit underwriting experience

Desired Qualifications



  • Basic Microsoft Office skills
  • Strong analytical skills including analyzing complex data
  • Excellent verbal, written, and interpersonal communication skills
  • Ability to interact with all levels of an organization
  • Ability to work effectively in a virtual team environment

Other Desired Qualifications



  • 4 years + experience underwriting retail mortgage loans
  • 4years + experience with Agency / Government / Conforming loan products.
  • Experience with complex income scenarios

Job Expectations



  • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
  • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
  • Ability to provide and work from a home office
  • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

Salary Information


The salary range displayed below is based on a Full-time 40 hour a week schedule.


GA-Atlanta: Min: $56,800 Mid: $80,000


TX-Dallas: Min: $56,800 Mid: $80,000


TX-Austin: Min: $56,800 Mid: $80,000


TX-Houston: Min: $56,800 Mid: $80,000


TN-Nashville: Min: $56,800 Mid: $80,000


NY-Buffalo: Min: $56,800 Mid: $80,000


IN-Indianapolis: Min: $56,800 Mid: $80,000


AL-Birmingham: Min: $56,800 Mid: $80,000


NE-Omaha: Min: $56,800 Mid: $80,000


MO-Kansas City: Min: $56,800 Mid: $80,000


KS-Overland Park: Min: $56,800 Mid: $80,000


SC-Columbia: Min: $51,100 Mid: $72,000


OH-Columbus: Min: $56,800 Mid: $80,000


MS-Gulfport: Min: $51,100 Mid: $72,000


UT-Salt Lake City: Min: $56,800 Mid: $80,000


NV-Las Vegas: Min: $56,800 Mid: $80,000


AZ-Tucson: Min: $56,800 Mid: $80,000


CA-Fresno: Min: $56,800 Mid: $80,000


WA-Spokane: Min: $56,800 Mid: $80,000


ID-Boise: Min: $56,800 Mid: $80,000


NV-Reno: Min: $56,800 Mid: $80,000


MI-Birmingham: Min: $62,500 Mid: $88,000


FL-Jacksonville: Min: $56,800 Mid: $80,000


FL-Orlando: Min: $56,800 Mid: $80,000


FL-Tampa: Min: $56,800 Mid: $80,000


Street Address


GA-Atlanta: 3579 Atlanta Ave - Atlanta, GA


TX-Dallas: 8115 Preston Rd - Dallas, TX


TX-Austin: 9442 N Capital Of Texas Hwy - Austin, TX


TX-Houston: 2700 Post Oak Blvd - Houston, TX


TN-Nashville: 150 3rd Ave S - Nashville, TN


NY-Buffalo: 6700 Main St - Buffalo, NY


IN-Indianapolis: 8888 Keystone Xing - Indianapolis, IN


AL-Birmingham: 2501 20th Pl S - Birmingham, AL


NE-Omaha: 13330 California St - Omaha, NE


MO-Kansas City: 9572 N McGee St - Kansas City, MO


KS-Overland Park: 7500 College Blvd - Overland Park, KS


SC-Columbia: 101 Greystone Blvd - Columbia, SC


OH-Columbus: 445 Hutchinson Ave - Columbus, OH


MS-Gulfport: 375 Courthouse Rd - Gulfport, MS


UT-Salt Lake City: 5201 Amelia Earhart Dr - Salt Lake City, UT


NV-Las Vegas: 4425 Spring Mtn Rd - Las Vegas, NV


AZ-Tucson: 4051 E Sunrise Dr - Tucson, AZ


CA-Fresno: 8405 N Fresno - Fresno, CA


WA-Spokane: 41 W Riverside Ave - Spokane, WA


ID-Boise: 3033 Elder St - Boise, ID


NV-Reno: 6005 Plumas St - Reno, NV


MI-Birmingham: 34100 Woodward Ave - Birmingham, MI


FL-Jacksonville: 3563 Philips Hwy - Jacksonville, FL


FL-Orlando: 11050 Lake Underhill Rd - Orlando, FL


FL-Tampa: 4030 W BOY SCOUT BLVD - TAMPA, FL


Disclaimer


All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.


Relevant military experience is considered for veterans and transitioning service men and women.


Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


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