Underwriter - Credit Card

About this role:

Wells Fargo is seeking an Underwriter in Unsecured Lending Operations 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
• Be responsible for making calls and/or receiving calls from either, existing card customers about a line increase or from new customers requesting a Wells Fargo credit card
• 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
• Present recommendations for resolving situations and exercise some independent judgment while developing understanding of the Underwriting role
• Provide information to team, managers, and customers to related inquiries
• Load balancing / cross-functional training
• Customer interaction (inbound/outbound calls)
• Assist with resolution to executive office complaints
• Re-evaluations/appeals
• Second Level Review
• First party fraud prevention
• Tax Review Analysis

​Required Qualifications:

• 2 years 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 clearly explain and document rationale for a credit decision
• Adaptable to a flexible, production-oriented environment
• Ability to provide strong customer service and develop customer relationships
• Ability to work well within a competitive, team-based environment
• 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:

• Must be able to complete 5 weeks of training everyday in office. Training hours will be an 8 hour shift between 8am-7pm EST
• Obtain delegation of authority within 60 days of start date
• This position is not eligible for Visa sponsorship
• Hours may change due to business needs and may include overtime and working hours beyond 7pm EST

Hybrid Schedules:

8am - 5pm EST including every 4th Saturday

9am - 6pm EST including every 4th Saturday

10am - 7pm EST including every 4th Saturday

Location:  1525 W. W.T. Harris Blvd, Charlotte, NC 28262

Required location(s) for this position is listed above. Candidate must reside within a reasonable commute to the site location.  Relocation assistance is not available for this position.

Training: Must be able to complete 5 weeks of training everyday in office. Training hours will be an 8 hour shift between 8am-7pm EST

Posting End Date: 

*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 Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.