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Job Field: Government Jobs
Location: SAN BERNARDINO, CA
Salary: $Not stated

JOB SUMMARY:

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<tr><td valign="top" width="450"><b>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.Basic Qualifications: 4+ years underwriting experience.Minimum Qualifications: - Mortgage underwriting experience. - Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates. - Thorough knowledge of FNMA, and FMLMC guidelines and standards. - Experience with income validation including personal and corporate tax forms. - Experience in Appraisal Review. - Ability to handle confidential material in a professional, highly ethical manner. - Excellent verbal and written communication skills and possess a high degree of attention to detail. - Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers. - Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals. - Experience in talking with the borrower about loan decision. - Must be able to work in a production/flexible environment. - Work overtime as needed. - Intermediate PC and keyboarding skills, including experience with Windows operating systems.  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.Preferred Skills: - DE/CHUMS IDHow to Express Interest in This Job: Wells Fargo invites you to apply for this job at https://employment.wellsfargo.com/psp/PSEA/APPLICANT_NW/HRMS/c/HRS_HRAM.HRS_CE.GBL?Page=HRS_CE_HM_PRE&Action=A&SiteID=1&Opening=3674021.WELLS FARGO IS AN AFFIRMATIVE ACTION AND EQUAL OPPORTUNITY EMPLOYER M/F/D/V.

KEY REQUIREMENTS:

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Not stated