Details: Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; 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; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager.
Showing posts with label Consumer. Show all posts
Showing posts with label Consumer. Show all posts
Wednesday, 18 July 2012
Consumer Ln Underwriter 2
Details: At Wells Fargo, people are our competitive advantage. For over 160 years, we have been helping our customers succeed financially and offering superior service. It s not just our mission, it s our passion. And we know it begins with outstanding talent. We ve built our team of top mortgage professionals by rewarding their accomplishments and by ensuring they have the tools, training, and coaching to succeed even farther.Wells Fargo Home Mortgage is the nation s number one retail mortgage lender. In the ever-dynamic mortgage environment, you want to be with a lender who has the strength, stability, and reputation to grow your career.Join a Company that Values You by:• Providing you the best in class on-boarding and on the job training curriculum.• Encouraging you to exercise expert judgment in formulating your credit decisions.• Utilizing a state of the art paperless origination and underwriting system that will help improve your quality while enhancing the customer experience.• Rewarding you through competitive compensation and individually based monthly incentive plans.Underwriters will be responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines.Dependent on division, functions may include:• Evaluating and ensuring overall loan documents are accurate, complete, and compliant.• Reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation.• Using an automated scoring system or traditional underwriting to determine acceptability of moderate requests.• Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products.• Staying abreast of any changes in underwriting provisions; working with production to resolve questions when possible.We are continuing to build our industry-leading mortgage underwriting team! Take your career as far as your ambition and desire will carry you. Join our team today!•***This position is being sourced by external vendors. If you are interested in applyingfor this position, contact one of the following vendors. Thank you for your interest inWells Fargo.Aerotek, Inc.Shaun LucasPhone: 1-913-981-5368Fax: 913-981-5430
Consumer Ln Underwriter 3
Details: Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; 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; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager.
Consumer Ln Underwriter 2
Details: At Wells Fargo, people are our competitive advantage. For over 160 years, we have been helping our customers succeed financially and offering superior service. It s not just our mission, it s our passion. And we know it begins with outstanding talent. We ve built our team of top mortgage professionals by rewarding their accomplishments and by ensuring they have the tools, training, and coaching to succeed even farther.Wells Fargo Home Mortgage is the nation s number one retail mortgage lender. In the ever-dynamic mortgage environment, you want to be with a lender who has the strength, stability, and reputation to grow your career.Join a Company that Values You by:• Providing you the best in class on-boarding and on the job training curriculum.• Encouraging you to exercise expert judgment in formulating your credit decisions.• Utilizing a state of the art paperless origination and underwriting system that will help improve your quality while enhancing the customer experience.• Rewarding you through competitive compensation and individually based monthly incentive plans.Underwriters will be responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines.Dependent on division, functions may include:• Evaluating and ensuring overall loan documents are accurate, complete, and compliant.• Reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation.• Using an automated scoring system or traditional underwriting to determine acceptability of moderate requests.• Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products.• Staying abreast of any changes in underwriting provisions; working with production to resolve questions when possible.We are continuing to build our industry-leading mortgage underwriting team! Take your career as far as your ambition and desire will carry you. Join our team today!•***This position is being sourced by external vendors. If you are interested in applyingfor this position, contact one of the following vendors. Thank you for your interest inWells Fargo.Aerotek, Inc.Shaun LucasPhone: 1-913-981-5368Fax: 913-981-5430
DS Consumer Loan Underwriter 2 (RBC)
Details: Dealer Services is one of the nation s leading auto finance lenders and the #1 used car lender. With regional offices serving 47 states, we offer an integrated financial services solution designed primarily for the dealer community. We provide a broad credit spectrum of indirect auto financing to the auto industry, direct-to-consumer auto lending, real estate and floorplan financing, and an array of commercial banking services through Wells Fargo Bank, N.A. We offer finance and insurance aftermarket products and services through Warranty Solutions , a member of the Wells Fargo family of companies. Dealer Services has relationships with over 11,000 auto dealers.Reporting to the Regional Business Center Credit Manager, the Credit Analyst is responsible for the full-spectrum lending activity within the Region. This person is responsible for making prudent credit decisions within its established approval/exception guidelines, in compliance with all state and federal regulations, and in adherence to all Wells Fargo Dealer Services Core Auto Lending practices, policies, and procedures. The Credit Analyst teams with the other departments within the Region to establish, maintain, and enhance dealer relationships.Analyzes information received from credit applications and credit reporting agencies to make prudent credit decisions.Negotiates terms and conditions of loan decisions with dealers within established approval/exception guidelines, leveraging risk versus reward, to ensure credit quality and profitability. Makes exceptions to normal guidelines when necessary.Conducts customer interviews and investigations on non-prime credit applications to gather and document information pertaining to making credit decisions.Monitors dealer productivity and calls dealers for approvals and follow-up on pending contracts to increase capture and conversion ratios.Establishes dealer relationships by building rapport through telephone and field calls.Develops and analyzes credit goals and communicate strategies to dealers to accomplish said goals.Coordinates with Operations Department to examine and evaluate proper documentation for funding.Teams with collection department to resolve dealer collection issues.Actively participates in regularly scheduled staff meetings to communicate/share trends, P & P, goals, updates, and other pertinent information with associates and managers.Other duties as assigned.
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