Senior Underwriter- Retail Services

About This Role

Wells 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 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.
  
  

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, 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.
  
  

Job Expectations:

• Ability to work a flexible schedule, which may include weekends and holidays based on business needs.
• Must be able to work on-site at the location specified in the job posting.
• Must be able to work a Hybrid work schedule.
• Visa sponsorship is not available for this position.
• Relocation assistance is not provided.
• Must be able to work any of the following during the hours of operation of - Sunday: 8 AM - 9 PM PT, Monday - Saturday: 6 AM - 9:30 PM PT
  
  

Posting End Date:

23 Jan 2026

• 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

• Third-Party recordings are prohibited unless authorized by Wells Fargo.
• Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
  
  

Reference Number

R-516375