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 are looking for talented people who will put
our customers at the center of everything we do. We are seeking
candidates who embrace diversity, equity and inclusion in a
workplace where everyone feels valued and inspired.
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; Cards, Retail and
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
Wells Fargo is looking to expand our Home Lending Team and hire
a number of Pre-Fund Examiner 3 positions 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:
Responsibilities include performing in-depth pre-fund loan
reviews and validating the most complex transactions to ensure
program, investor and/or company polices are followed. Ensures
compliance with internal company requirements and/or agency or
government regulations. Analyzes risks and offsets and develops
solutions for problems identified. May conduct credit, closing and
compliance reviews. Consistently and successfully communicates
overall process and transaction quality and provides feedback to
appropriate contacts regarding identified deficiencies, which may
include suspending credit decision until deficiencies are resolved.
Identifies problem areas and/or trends and develop recommendations
for procedural changes. May present findings in client meetings.
Maintains knowledge of all closing, underwriting and compliance
guidelines. Applies extensive specialized knowledge and acts as
internal consultant or final authority in area of expertise. Acts
as a mentor/escalation point/SME for lower level Pre-Fund
Examiners, resolves issues and provide training; may act as backup
for Pre-Fund Examiner 4s.
The salary range displayed below is based on a Full-time 40 hour
a week schedule:
Salary range is determined by the location of the job.
IL-Lombard: Min: $65,600 Mid: $92,400 Max: $119,200
MN-Minneapolis: Min: $59,600 Mid: $84,000 Max: $108,400
CA-San Bernardino: Min: $65,600 Mid: $92,400 Max: $119,200
NC-Charlotte: Min: $59,600 Mid: $84,000 Max: $108,400
May be considered for a discretionary bonus
- 5+ years of underwriting experience
- 2+ years of experience in complex underwriting, nonconforming
underwriting or a combination of both
- 1+ year of experience with income analysis including exposure
to reviewing self-employment, corporate, and partnerships tax
- Fraud prevention experience
- Ability to analyze financial statements, accounting principles,
tax returns, and personal financial statements
- Ability to exercise independent judgment and creative problem
- Ability to take an active role in the education, mentoring and
training of less experienced team members
Other Desired Qualifications
Ability to review applicable ratios (i.e. debt ratios,
loan-to-value) to ensure loan meets company and agency
Ability to review and validate property requirements including
title and appraisal
- 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.
IL-Lombard: 1 E 22nd St - Lombard, IL
CA-San Bernardino: 1003 E Brier Dr - San Bernardino, CA
MN-Minneapolis: 2701 Wells Fargo Way - Minneapolis, MN
NC-Charlotte: 8505 Ibm Drive - Charlotte, NC
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
for benefits information.