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Mortgage Processor (SAFE) 4

Job ID 5289320 Schedule Type Reg-Time Work Hours 40 Location Santa Cruz, California
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 Fargo's Consumer Lending Group (CLG), we've built our team of top professionals by rewarding their accomplishments and ensuring they have what's 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 #1 Mortgage originator and servicer (Source: Inside Mortgage Finance)

Our Mortgage Origination team builds strong relationships with consumers and referral partners to help our customers reach their personal and financial goals through homeownership.

Responsible for file review of complex home loan applications.
Functions are varied and include one or any number of the following:

  • Timely and clear communication with customers, HMC's, settlement agents, brokers, and other counter-parties to obtain missing information and documentation for the loan file
  • Obtaining and possibly clearing some approval stipulations;
  • Submitting loan file to underwriting for review
  • Ensuring all compliance and underwriting guidelines are met
  • Entering loan information into the system
  • Prioritizing and/or managing assigned pipeline to meet anticipated closing date and performance metrics
  • May provide guidance and training to other Mortgage Processors

This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.  As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.  Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.



Required Qualifications

  • 1+ year of experience in one or a combination of the following: customer service, loan administration, collections, or sales environment



Desired Qualifications

  • Intermediate Microsoft Office skills
  • Excellent verbal, written, and interpersonal communication skills
  • High attention to detail and accuracy skills
  • Knowledge and understanding of home loan processing
  • Knowledge and understanding of mortgage origination: review of income, asset, and credit documentation
  • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
  • Ability to work with limited supervision
  • Strong attention to detail and accuracy skills



Other Desired Qualifications
  • Builder/New Construction Processing experience
  • Processing experience with non-conforming, conforming, FHA/VA


Job Expectations

  • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
  • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
  • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.



Street Address

CA-Santa Cruz: 530 Front St - Santa Cruz, CA



Disclaimer


All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.



Relevant military experience is considered for veterans and transitioning service men and women.

Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

0031803 WF CONSLNDG GRP

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