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Mortgage Underwriter - Full Time Remote! at Wells Fargo

Mortgage Underwriter - Full Time Remote!

Wells Fargo Buffalo, NY Full-Time
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Job Description

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.'



Required Qualifications

  • 4+ years of 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 ([ Link removed ] - Click here to apply to Mortgage Underwriter - Full Time Remote! ) 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.

FL-Jacksonville: Min: $51,100 Mid: $71,000
FL-Orlando: Min: $51,100 Mid: $71,000
FL-Tampa: Min: $51,100 Mid: $71,000
GA-Atlanta: Min: $51,100 Mid: $71,000
TX-Dallas: Min: $51,100 Mid: $71,000
TX-Austin: Min: $51,100 Mid: $71,000
TX-Houston: Min: $51,100 Mid: $71,000
TN-Nashville: Min: $51,100 Mid: $71,000
NY-Buffalo: Min: $51,100 Mid: $71,000
IN-Indianapolis: Min: $51,100 Mid: $71,000
AL-Birmingham: Min: $51,100 Mid: $71,000
NE-Omaha: Min: $51,100 Mid: $71,000
MO-Kansas City: Min: $51,100 Mid: $71,000
KS-Overland Park: Min: $51,100 Mid: $71,000
SC-Columbia: Min: $46,000 Mid: $63,900
OH-Columbus: Min: $51,100 Mid: $71,000
MS-Gulfport: Min: $46,000 Mid: $63,900
UT-Salt Lake City: Min: $51,100 Mid: $71,000
NV-Las Vegas: Min: $51,100 Mid: $71,000
AZ-Tucson: Min: $51,100 Mid: $71,000
CA-Fresno: Min: $51,100 Mid: $71,000
WA-Spokane: Min: $51,100 Mid: $71,000
ID-Boise: Min: $51,100 Mid: $71,000
NV-Reno: Min: $51,100 Mid: $71,000
MI-Birmingham: Min: $56,200 Mid: $78,100



Street Address

FL-Jacksonville: 3563 Philips Hwy - Jacksonville, FL
FL-Orlando: 11050 Lake Underhill Rd - Orlando, FL
FL-Tampa: 4030 W BOY SCOUT BLVD - TAMPA, FL
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



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.

 

Recommended skills

Underwriting
Mortgage Loans
Loans
Credit Reports
Truth In Lending Act
Insurance
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