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Wells Fargo is seeking a Senior Underwriter in Consumer Lending in Auto.
Job Responsibility:
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
Requirements:
4+ years of Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
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
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