Pre-Fund Examiner 3

Job description

Job Description

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.

This positions primary responsibility will be to conduct internal reviews within the QIS team, providing trending, coaching and feedback. Strong credit acumen and communication skills are a must to be successful in this role.

Responsibilities include performing in-depth pre-fund loan reviews and validating the most complex transactions to ensure program, investor and/or company polices are followed. Ensures compliance with internal company requirements and/or agency or government regulations. Analyzes risks and offsets and develops solutions for problems identified. May conduct credit, closing and compliance reviews. Consistently and successfully communicates overall process and transaction quality and provides feedback to appropriate contacts regarding identified deficiencies, which may include suspending credit decision until deficiencies are resolved. Identifies problem areas and/or trends and develops recommendations for procedural changes. May present findings in client meetings. Maintains knowledge of all closing, underwriting and compliance guidelines. Applies extensive specialized knowledge and acts as internal consultant or final authority in area of expertise. Acts as a mentor/escalation point/SME for lower level Pre-Fund Examiners, resolves issues and provide training; may act as backup for Pre-Fund Examiner 4s.

Required location for this position is:
8505 IBM DR Charlotte NC
2701 Wells Fargo Way, Minneapolis, MN
9780 S Meridian Blvd Englewood CO
101 N Independence Mall E Philadelphia PA
800 Walnut St Des Moines IA
Candidate must reside within a reasonable commute to the site location. The position is eligible to work from home.

The salary range displayed below is based on a Full-time 40 hour a week schedule.
NC-Charlotte: Min: $59,600 Mid: $84,000 Max: $108,400
MN-Minneapolis: Min: $59,600 Mid: $84,000 Max: $108,400
CO-Englewood: Min: $59,600 Mid: $84,000 Max: $108,400
PA-Philadelphia: Min: $65,600 Mid: $92,400 Max: $119,200
IA-Des Moines: Min: $59,600 Mid: $84,000 Max: $108,400

• 5+ years of underwriting experience
• 2+ years of experience in complex underwriting, nonconforming underwriting or a combination of both

• Credit underwriting experience
• 5+ years of consumer loan underwriting experience
• Knowledge and understanding of consumer loan underwriting or credit in mortgage lending
• 5+ years of experience with underwriting policies and procedures, including investor guidelines and regulatory updates
• Knowledge and understanding of underwriting and use of delegated credit authority
• Experience with underwriting policies and procedures such as risk-layering and asset evaluation
• Non-conforming loan underwriting experience
• Knowledge and understanding of correspondent lending: operations, processes, and fulfillment functions
• Audit or internal controls testing experience
• Excellent verbal, written, and interpersonal communication skills

• Experience with CORE System (Retail)
• Experience with LPS Cloud System (Correspondent)
• Knowledge and understanding of credit: policy, compliance, and underwriting requirements

• Ability to provide and work from a home office

NC-Charlotte: 8505 Ibm Drive - Charlotte, NC
MN-Minneapolis: 2701 Wells Fargo Way - Minneapolis, MN
CO-Englewood: 9780 S Meridian Blvd - Englewood, CO
PA-Philadelphia: 101 N Independence Mall E - Philadelphia, PA
IA-Des Moines: 800 Walnut St - Des Moines, IA

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.

Benefits

Visit for benefits information.