Underwriter - Credit Card

About this role:Wells Fargo is seeking an Underwriter in the Unsecured Lending Operations as part of Credit Services. Learn more about our career areas and lines of business at Wellsfargojobs.com (https://www.myworkday.com/wf/d/inst/1$14180/www.wellsfargojobs.com)In this role, you will:

Be responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines

Be responsible for making calls and/or receiving calls from either, existing card customers about a line increase or from new customers requesting a Wells Fargo credit card

Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, or other supporting documentation to recommend or approve requests within deaccessioning authority levels by way of automated scoring system or traditional underwriting

Assist with the calculations and preparation of reports for review

Respond to customer inquiries and credit decisions

Ensure credit files are current, complete, and compliant with company standards

Contact customers and partners to gather information to make appropriate decisions, and explain rationale behind credit decisions

Present recommendations for resolving situations and exercise some independent judgment while developing understanding of the Underwriting role

Provide information to team, managers, and customers to related inquiries

Load balancing / cross-functional training

Customer interaction (inbound/outbound calls)

Assist with resolution to executive office complaints

Re-evaluations/appeals

Second Level Review

First party fraud prevention

Tax Review Analysis

Required Qualifications:

2+ years of underwriting, loan processing, originations, or closing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

Credit card underwriting and/or Personal Lending underwriting experience

Home Equity experience

Manual, judgmental, or non-conforming underwriting experience

6+ months training or leadership experience

1+ year of customer call center experience

Basic Microsoft Office skills

Job Expectations:

Obtain delegation of authority within 60 days of start date

Training will be 10am-7pm EST for 5 weeks (tentative).

Schedule after training will be 11am-8pm EST. Schedule will include working every 4th Saturday

Hours may change due to business needs and may include weekends, overtime and hours beyond 7:00pm

​Location: 1525 W W.T. Harris Boulevard, 2A3 | Charlotte, NC 28262-8522

Required location(s) for this position is listed above. Candidate must reside within a reasonable commute to the site location. Relocation assistance is not available for this position.

Business Hours of Operation: Monday – Friday 8am – 9pm EST and Saturday 9am-8pm EST

This position is not eligible for Visa sponsorship

Posting End Date:9 Nov 2024Job posting may come down early due to volume of applicants.We Value DiversityAt Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.Applicants with DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .Drug and Alcohol PolicyWells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.Wells Fargo Recruitment and Hiring Requirements:a. Third-Party recordings are prohibited unless authorized by Wells Fargo.b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.Req Number: R-411719