Underwriting Associate

About this role:
Wells Fargo is seeking an Underwriting Associate in the Private Label Credit Card - Retail Service Department
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
• 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
• Receive direction from leaders and exercise judgment while developing understanding of the Underwriting procedures
• Provide information to team, managers and customers to related inquiries

Required Qualifications:

• 6+ months 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:

• Knowledge and understanding of underwriting: workout, originating, structuring, and executing transaction
• Strong credit underwriting skills

Expectation Qualifications:

• Monday through Saturday-8:00am - 9:30pm
• Sunday 11:00am - 9:00pm

Review, analyze, and underwrite routine individual consumer credit requests and products, adhering to company and industry guidelines with minimal deviations.
Evaluate credit applications and supporting documentation-including credit bureau reports to recommend or approve requests within delegated authority levels using automated scoring systems or traditional underwriting methods.
Assist in calculating and preparing reports for management review.
Respond to customer inquiries and communicate credit decisions clearly and professionally.
Ensure credit files are accurate, complete, and compliant with company standards.
Contact customers and internal partners to gather necessary information for decision-making and provide clear explanations of credit decisions.
Follow guidance from leadership while exercising sound judgment and developing a thorough understanding of underwriting procedures.
Provide timely and accurate information to team members, managers, and customers in response to related inquiries
Posting End Date:
24 Sep 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.