Senior Underwriter

Key Responsibilities: + Review and analyze complex consumer credit applications for auto loans. + Evaluate credit bureau reports, income documentation, collateral valuation, and other supporting materials. + Make sound credit decisions within established authority levels using both automated scoring systems and manual underwriting. + Communicate decisions and rationale clearly to internal partners and customers. + Ensure credit files are complete, accurate, and compliant with regulatory and company standards. + Collaborate with internal teams to resolve application issues and provide recommendations. + Maintain awareness of risk and compliance requirements throughout the underwriting process. **Required Qualifications:** + 4+ years of Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education **Desired Qualifications:** + 4+ years of experience in underwriting, loan processing, originations, or closing. + Strong understanding of credit principles and lending practices. + Proficiency in reviewing financial documents and assessing creditworthiness. + Extensive experience in auto lending or consumer finance. + Familiarity with underwriting systems and tools. + Strong communication and decision-making skills. **Expectations:** + Ability to work in a fast-paced, high-volume environment. + Flexibility to adapt to changing business needs and priorities. + Commitment to accuracy, compliance, and customer service excellence. + Positions will be remote with a preference of proximity to our hubs in Chandler, AZ or Irving (Dallas), TX **Posting End Date:** 31 Jul 2025 **_*Job posting may come down early due to volume of applicants._** **We Value Equal Opportunity** Wells Fargo is an equal opportunity employer. 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. 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 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. **Req Number:** R-476661