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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 difficult, complex individual consumer requests and products within company and industry guidelines. Dependent on division, functions include: -reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value) -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, serving as a consultant/technical resource on difficult problems and questions -handling escalated calls -providing work direction, feedback and training to underwriting staff including mentoring lower level underwriters on credit decisioning, department procedures and policies -delivering/facilitating of technical training to ensure organizational consistency. -Has exception authority. -May act as a team lead and provide performance feedback to less senior underwriters. -May act as backup in absence of Supervisor.Basic Qualifications: 5+ years underwriting experience.Minimum Qualifications: Extensive mortgage underwriting experience which includes but not limited to: - Advanced income analysis with includes experience in reviewing Self employment, Corporate, and Partnerships tax returns; Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation. -Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates - Prior experience underwriting/signing authority of $750k or higher - 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: - Experience underwriting Non-Conforming and/or Bond loans - FHA/VA Underwriting Experience  - DE/CHUMS and /or LAPP - Wholesale Experience - Reno or JV Experience - Wealth experience - PMB experienceHow 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=3673671.WELLS FARGO IS AN AFFIRMATIVE ACTION AND EQUAL OPPORTUNITY EMPLOYER M/F/D/V.

KEY REQUIREMENTS:

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Not stated