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 channels.
The Lending Officer 1 is responsible for managing the overall strategy applied to the quality of decisions made for customer loans for our GSE Decisioning teams.
Also, responsible for approving complex loans in excess of regional, state, business unit or credit officer authority levels. Functions may include: ensuring conformity with bank policies and procedures; assisting in the development of guidance polices; ensuring conformity with bank policies and procedures; assisting in the development of guidance polices; monitoring delinquency, loss and risk rating accuracy across groups of regions, states and/or business units; working with credit officers and other senior officers with structuring, pricing and documentation of smaller loan transactions; hiring, coaching and developing the credit skills of officers; overseeing acquisition of new credit relationships, including some customer contact. Ensures credit policies are applied in all areas of credit underwriting. Grants credit and exception approvals and provides credit quality controls.
Specifically, this position will support the GSE Decisioning teams in the following functions, but not limited to:
•Daily Decisions at the Committee level
•Customer Required remediations
•Customer High Risk/Exposure to Escalations
•HIRU Pipeline and overall COVID forbearance illogical reviews
•May continue to support, be leveraged, partner or lead alongside other risk /credit groups, serving to find ways to improve overall operational efficiencies and quality improvements.
•Provide regular updates to leadership and business partners.
•Understanding any change delivery or new business requirements, testing activities, and troubleshooting issues related to Default Decision and Settlement across all portfolios.
•Assist in the Change Management process to support Business Driven Initiatives in effort to align all procedures and checklists with process or be able to recommend new business efficiencies.
•Partner with Credit Policy to ensure all applications and procedures are in line with the published policies.
•Partner with Servicing Data and Analytics and the Technology team to create reports.
•Require the ability to work both independently and in a team environment to achieve the desired outcome
*Ability to travel up to 10% of the time
- 5+ years of lending experience
- Strong analytical skills with high attention to detail and accuracy
- Excellent verbal, written, and interpersonal communication skills
Other Desired Qualifications
- Default Servicing Underwriting Experience
- Extensive knowledge of Credit Policy guidelines
- Familiarity with internal and external audit reviews
- Prior experience performing detailed analysis and presenting complicated issues to senior leadership and/or business partners
- Previous Project Leadership experience
- Analytical skills focusing on problem solving, process improvement and customer impact in a rapidly changing environment
- Ability to take initiative and drive problem solving efforts
- Ability to organize, re-prioritize, and manage multiple priorities in-order to meet deadlines
- Experience with the following applications: MSP, ICMP, ERLMF, HPA, JIRA, SDA, Business Objects
- 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.
- Ability to travel up to 10% of the time
SC-Fort Mill: 3476 Stateview Blvd - Fort Mill, SC
AZ-Chandler: 2850 S Price Road - Chandler, AZ
IA-West Des Moines: 800 S Jordan Creek Pkwy - West Des Moines, IA
NC-Charlotte: 1525 W Wt Harris Blvd - Charlotte, NC
MN-Saint Louis Park: 435 Ford Rd - Saint Louis Park, MN
IL-Springfield: 4800 W Wabash Ave - Springfield, IL
NC-Raleigh: 1100 Corporate Center Dr - Raleigh, NC
TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
SD-Sioux Falls: 3201 N 4th Ave - Sioux Falls, SD
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.
Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.