Underwriting Associate-Credit Cards

About this role: Wells Fargo is seeking an Underwriting Associate in Consumer Lending as part of Credit Services. Learn more about our career areas and lines of business at Wellsfargojobs.com In this role, you will: Be responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, or other supporting documentation to recommend or approve requests within deaccessioning authority levels by way of automated scoring system or traditional underwriting Assist with the calculations and preparation of reports for review Respond to customer inquiries and credit decisions Ensure credit files are current, complete, and compliant with company standards Contact customers and partners to gather information to make appropriate decisions, and explain rationale behind credit decisions Receive direction from leaders and exercise judgment while developing understanding of the Underwriting procedures Provide information to team, managers and customers to related inquiries Required Qualifications, US: 6 months of underwriting, loan processing, originations, or closing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Credit card underwriting experience High volume manual, judgmental, or non-conforming underwriting experience Ability to adapt to change 1 year of customer service experience 1 year of call center experience Strong analytical skills with high attention to detail and accuracy Ability to provide strong customer service and develop customer relationships Adaptable to a flexible, production-oriented environment Ability to work well within a competitive, team-based environment Ability to clearly explain and document rationale for a credit decision Ability to stay abreast of changes within the line of business, bank, industry, and economic environment Ability to support and interact with the business unit's sales team Basic Microsoft Office skills Job Expectations: Obtain delegation of authority within 60 days of start date (50 cases w/98% accuracy rate) Training will be in office 7 am – 4 pm PST for 5 weeks (tentative) Requires flexibility to work hours which may include weekends, overtime, and work hours beyond 7:00pm. Schedule: 8 am - 5 pm PST or 9am -6pm PST Monday -Friday and every 3rd or 4th Saturday Business Hours of Operation: Monday – Friday 5 am – 9 pm PST and Saturday 6 am – 5 pm PST Posting End Date: 1 Mar 2024 *Job posting may come down early due to volume of applicants. We Value Diversity At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $1.9 trillion in assets, proudly serves one in three U.S. households and more than 10% of small businesses in the U.S., and is a leading middle market banking provider in the U.S. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 47 on Fortune’s 2023 rankings of America’s largest corporations. In the communities we serve, the company focuses its social impact on building a sustainable, inclusive future for all by supporting housing affordability, small business growth, financial health, and a low-carbon economy. News, insights, and perspectives from Wells Fargo are also available at Wells Fargo Stories. Additional information may be found at www.wellsfargo.com LinkedIn: https://www.linkedin.com/company/wellsfargo For questions on how to search and apply, visit our frequently asked questions.