Wells Fargo · 16 hours ago
Senior Underwriter- Retail Services
CHANDLER, AZ
Full-time
Hybrid
Mid, Senior Level
4+ years expWells Fargo is seeking a Senior Underwriter in Consumer Lending on the Retail Services team. In this role, you will be responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products within company and industry guidelines.
BankingFinancial ServicesFinTechInsurancePayments
No H1B
Responsibilities
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, and 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
Collaborate with individuals and managers to handle inquiries and achieve objectives
Mentor peers and less experienced staff
Policy application & exceptions: Interpret credit policy, document rationale, and escalate/approve exceptions appropriately under delegated authority
Risk, control, and culture: Have consistent adherence to company risk standards and behaviors (candor, doing what’s right, execution excellence, inclusive teamwork) and contribution to a strong control environment
Credit documentation excellence: Produce clear, defendable credit narratives that articulate risk factors, compensating factors, line/terms rationale, and accurate adverse‑action reasoning; strong audit trail discipline
Qualification
Required
4+ years of Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Preferred
4+ years of experience in underwriting, loan processing, originations, and closing
Strong understanding of credit principles and lending practices
Proficiency in reviewing financial documents and assessing creditworthiness
Extensive experience in consumer finance
Underwriting experience of unsecured loans/product
Experience with policy application and exceptions
Experience with risk and control
Experience with credit documentation excellence
Experience in Consumer lending/Retail Services
Lending and underwriting experience related to financial regulations experience
Regulatory reporting and understanding the Know Your Customer and the Customer Identification Program
Experience in developing reporting and building reports thru many resources of data
Experience navigating through ambiguity
Excellent verbal, written, and interpersonal communication skills
Ability to effectively listen and elicit information
Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
Ability to work effectively, as well as independently, in a team environment
Ability to work a flexible schedule, which may include weekends and holidays based on business needs
Demonstrated call center experience, with the ability to process applications while managing incoming calls in a fast‑paced environment
Experience leading training sessions and supporting learner development
Company
Wells Fargo
Wells Fargo & Company is a financial services firm that provides banking, insurance, investments, and mortgage services.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1978-10-06IPO
Leadership Team
Charlie Scharf
CEO
Fernando Rivas
CEO of Corporate & Investment Banking
Recent News
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2026-01-22
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2026-01-22
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