Wells Fargo

Senior Underwriter

Wells Fargo$80K — $95K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 4+ years of underwriting experience or equivalent.

Responsibilities

  • Review and analyze complex consumer credit applications for auto loans.
  • Evaluate credit bureau reports, income documentation, and collateral valuation.
  • Make sound credit decisions using automated systems and manual underwriting.
  • Clearly communicate decisions and rationale to internal partners and customers.
  • Ensure credit files are accurate and compliant with standards.
  • Collaborate with internal teams to resolve application issues.
  • Maintain awareness of risk and compliance requirements.

Benefits

  • Positions are remote with a preference for candidates near Chandler, AZ or Irving (Dallas), TX.
  • Work includes every Saturday with a rotation for Sundays.
  • Ability to work in a fast-paced, high-volume environment.
  • Opportunity for collaboration with internal teams.
  • Commitment to accuracy, compliance, and customer service excellence.
Full Job Description

About this role:

Wells Fargo is seeking a Senior Underwriter in Consumer Lending in Auto

Key Responsibilities:

  • Review and analyze complex consumer credit applications for auto loans.

  • Evaluate credit bureau reports, income documentation, collateral valuation, and other supporting materials.

  • Make sound credit decisions within established authority levels using both automated scoring systems and manual underwriting.

  • Communicate decisions and rationale clearly to internal partners and customers.

  • Ensure credit files are complete, accurate, and compliant with regulatory and company standards.

  • Collaborate with internal teams to resolve application issues and provide recommendations.

  • Maintain awareness of risk and compliance requirements throughout the underwriting process.


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, or closing.

  • Strong understanding of credit principles and lending practices.

  • Proficiency in reviewing financial documents and assessing creditworthiness.

  • Extensive experience in auto lending or consumer finance.

  • Familiarity with underwriting systems and tools.

  • Strong communication and decision-making skills.

Expectations:

  • Every Saturday working day with a rotation for Sundays

  • Ability to work in a fast-paced, high-volume environment.

  • Flexibility to adapt to changing business needs and priorities.

  • Commitment to accuracy, compliance, and customer service excellence.

  • Positions will be remote with a preference of proximity to our hubs in Chandler, AZ or Irving (Dallas), TX

Posting End Date:

8 Sep 2026

*Job posting may come down early due to volume of applicants.

About Wells Fargo

Wells Fargo Careers

Joining Wells Fargo means becoming part of a distinguished financial institution that has been a cornerstone of innovation and leadership in the banking industry. At Wells Fargo, we offer a plethora of job opportunities designed to empower your career growth and development in a diverse and inclusive environment.

Work You’ll Do

At Wells Fargo, you will be part of a team that values diversity and is committed to fostering an inclusive culture. We are looking for professionals who are eager to drive innovation and lead with integrity. Our employees are our greatest asset, and we invest in their professional growth through comprehensive leadership and diversity training programs that are recognized industry-wide.

Explore a Multitude of Career Paths

Whether you're interested in a position in finance, IT, customer service, or management, Wells Fargo has career opportunities in various fields. Our team members benefit from job stability, competitive benefits, and a culture that values and rewards performance and dedication.

Internship Programs

Kickstart your career with a Wells Fargo internship. Our programs provide invaluable industry exposure, professional skills development, and networking opportunities that often lead to full-time employment offers. Interns at Wells Fargo work on real projects, solve actual challenges, and gain the mentorship of seasoned professionals.

Professional Growth and Development

We believe in nurturing the potential of our employees. Wells Fargo offers robust training programs and resources to help every team member excel in their current roles and prepare for future challenges. Growth at Wells Fargo is not just about climbing the career ladder but expanding your skills and expertise to add value to our team and customers.

Benefits and Rewards

Wells Fargo is committed to the well-being of our team members. We offer a comprehensive benefits package that includes health care, retirement plans, and generous paid time off. Additionally, we provide unique perks like employee discounts, adoption assistance, and tuition reimbursement.

Join Our Team

Discover the opportunities waiting for you at Wells Fargo by exploring open positions that match your skills and interests. We are continuously hiring and looking for individuals who bring creativity, passion, and a drive to serve our customers.

Stay Connected

Keep up to date with the latest from Wells Fargo Careers by subscribing to our job alert emails. Tailor your subscription to receive updates that align with your career preferences and get insider tips on crafting the perfect resume and acing your interview.

Networking and Innovation

At Wells Fargo, networking and innovation go hand in hand. We encourage our employees to connect across departments and roles to foster new ideas and strategies that lead to groundbreaking solutions.

Empower Your Career

Step into a role at Wells Fargo where your skills will be honed, your achievements recognized, and your career can flourish. We're not just filling positions; we're building leaders who are equipped to navigate the complexities of the financial world. Join Wells Fargo today and be part of a team that’s redefining the future of banking.
Learn more about Wells Fargo
Size
246,577 employees
Market Cap
$155.2 billion
Industry
Net Income
$3.3 billion
Founded
1852
5 Year Trend
-5.9%
NASDAQ

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