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 want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.

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, Credit Cards, Retail & 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.

Wells Fargo is looking to hire Mortgage Loan Underwriter 5's in our Alliance Credit Organization (ACO) who have a strong desire and passion to deliver an exceptional experience in helping customers with their home loan applications. If you thrive on working with high accuracy and attention to detail and working with a team to meet customer needs, we want to talk to you!

Our Mortgage team supports the nation's leading originator and servicer of residential mortgages.
National Underwriting and Production Risk Management (NUPRM) provides support for transaction underwriting, managing production risk, and implementation of policies and procedures that support the home lending process.

As part of Wells Fargo Home Lending, NUPRM identifies and adopts best practices and controls in relation to retail mortgage products. The WBR Alliance team provides decisioning support for Wealth, Brokerage & Retirement (WBR) home lending transactions including Wealth Management and WFA.

This team is responsible for making credit decisions on all loans – initial decision, reconsideration, exception and 2nd level decisions.
o Analyzes most complex financial and credit information for high dollar customer loans according to business unit standards
o Underwrites high dollar loans with higher aggregate credit exposure and may manage a more complex portfolio
o Underwriting exception work streams that cannot be decisioned through the decision tool
o Compiles, analyzes, and documents loan data and credit risk, borrower and property information
o Determines decisions/exceptions beyond the decisioning authority levels of less experienced underwriters
o May negotiate loan provisions
o Mentors or review analysis of less experienced underwriters and may provide credit policy direction to underwriting managers in the field

'Required locations for these positions are listed. The position is eligible to work from home.'

The salary range below is based on a full-time 40 hour a week schedule.
90 S Cascade Ave Colorado Springs, CO 80903
CO-Colorado Springs:  Min: $69,600 Mid: $98,000 Max: $126,400

Visit https://www.wellsfargo.com/about/careers/benefits/ for benefits information

• 5+ years of experience in underwriting, lending, or a combination of both
• 1+ year of experience in complex underwriting authority for escalated or special situation loans

• Extensive non agency/non conforming/portfolio underwriting experience
• Retail mortgage experience or commercial mortgage experience
• Extensive underwriting experience which 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
• Appraisal review background
• Experience working with highly affluent clientele  and wealth partners
• Current or previous lending exception authority

• This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
• Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
• Ability to provide and work from a home office
• 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.

The salary range displayed below is based on a Full-time 40 hour a week schedule.

IL-Westchester: Min: $76,500 Mid: $107,800
CO-Colorado Springs: Min: $69,600 Mid: $98,000
IA-Des Moines: Min: $69,600 Mid: $98,000
MN-Minneapolis: Min: $69,600 Mid: $98,000
CA-San Bernardino: Min: $76,500 Mid: $107,800
NC-Charlotte: Min: $69,600 Mid: $98,000
AZ-Chandler: Min: $69,600 Mid: $98,000
CA-Concord: Min: $83,500 Mid: $117,600
TX-San Antonio: Min: $69,600 Mid: $98,000
NC-Raleigh: Min: $69,600 Mid: $98,000
CA-San Diego: Min: $76,500 Mid: $107,800

IL-Westchester: 2 Westbrook Corporate Ctr - Westchester, IL

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.