Ds Cnsmr Ln Underwtr 1 (rbc) at Overland Park

Job Description

Our foundation for success can be summarized in three beliefs:Our product is service.Our value added is financial advice and guidance.Our competitive advantage is our people. It all begins with outstanding talent.In Wells Fargos Consumer Lending Group (CLG), weve built our team of top professionals by rewarding their accomplishments and ensuring they have whats needed to succeed. We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.The CLG team includes Home Lending, Consumer Credit Card, Personal Loans and Lines, Direct Auto, Dealer Services, Commercial Auto, Retail Services and Education Financial Services including the professional services teams that partner with these businesses Human Resources, Finance, Credit Risk, and Compliance & Operational Risk. Join the #2 Overall Auto lender (Source: Autocount) Our Dealer Services team offers integrated financial services solutions designed primarily for the auto dealer community, providing financing and related services to both dealers and consumers nationwide.Reporting to the Regional Business Center Lending Manager, the Consumer Loan Underwriter is responsible for the full spectrum lending activity within the Region. This person is responsible for making prudent credit decisions within its established approval/exception guidelines, in compliance with all state and federal regulations, and in adherence to all Wells Fargo Dealer Services Core Auto Lending practices, policies, and procedures.The Consumer Loan Underwriter will partner with the other departments within the Region to establish, maintain, and enhance dealer relationships. Analyzes information received from credit applications and credit reporting agencies to make prudent credit decisions. Negotiates terms and conditions of loan decisions with dealers within established approval/exception guidelines, leveraging risk versus reward, to ensure credit quality and profitability. Makes exceptions to normal guidelines when necessary. Conducts customer interviews and investigations on non-prime credit applications to gather and document information pertaining to making credit decisions.Monitors dealer productivity and calls dealers for approvals and follow up on pending contracts to increase capture and conversion ratios. Establishes dealer relationships by building rapport through telephone and field calls. Develops and analyzes credit goals and communicate strategies to dealers to accomplish said goals.Coordinates with the Operations Department to examine and evaluate proper documentation for funding. Partners with the Collections Department to resolve dealer collection issues. Actively participates in regularly scheduled staff meetings to communicate/share trends, P&P, goals, updates, and other pertinent information with team members and managers. Other duties as assigned.

Job Requirements

* Basic Qualifications:
6+ months experience in underwriting, processing, origination or closing or BA/BS.
* Minimum Qualifications:
Country: USA, State: Kansas, City: Overland Park, Company: Wells Fargo.