Senior Underwriter

About This Role

Wells Fargo is seeking a Senior Underwriter in Consumer Lending in Auto.

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

• Every Saturday working day with a rotation for Sundays.
• 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.