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Senior underwriter (safe)- national decisioning support team

May 11, 2026

About this role: Wells Fargo is seeking an experienced Agency or Government Mortgage Underwriter with extensive income analysis and cash-flow experience to join the National Decisioning Support Team within Home Lending. The National Decisioning Support Team (NDS) is a team responsible for performing comprehensive income, assets, and credit reviews of customers with complex profiles. This individual will complete enhanced authority and path of assistance reviews and collaborate closely with internal partners on a variety of transactions ranging in complexity. Learn more about the career areas and lines of business at wellsfargojobs.com.

In this role, you will:

Review and analyze federal personal, business and trust tax returns, interim financial statements (profit & loss/balance sheets), Schedule of Real Estate Owned, Trusts, paystubs/W-2s, asset statements, and other income documentation for customers who own a significant number of businesses and/or rental properties.
Complete income tools to assist them in calculating income (internal Income Analysis Tool via the WF intranet and other Excel based tools), update the application system (CORE) with the income reviewed, perform a write-up detailing the income analysis performed, and updating loan conditions on the home lending application.
Discuss the credit underwriting analysis with internal partners (i.e. underwriters, processors, sales) and at times with external parties (CPAs/Bookkeepers, CFOs, Customers).
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 internal business partners (i.e. underwriters, processors, sales) 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.

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:

4+ years of Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications:

Agency and Government Mortgage Underwriting experience.
Experience in performing in-depth review and analysis of personal/business tax returns and business financial statements.
Experience working in a mortgage lending operations/production environment.
Critical thinking skills to be able to exercise expert judgement and identify/recommend reasonable situations to deviate from credit policies.
Quality focused and detail oriented.
Strong communication skills (both written and verbal).
Ability to explain why information required/needed.
Ability to explain review and why decision made.

Job Expectations:

This position is not eligible for Visa sponsorship.
Ability to work weekdays, weekends and holidays as needed or scheduled.
Site hours of operation are Monday-Friday 7:00am-5:00pm (local time).
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) website ( 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.

Posting Location(s): 800 S. Jordan Creek Pkwy, West Des Moines, IA; 600 S 4th Street, Minneapolis MN; 1525 W WT Harris Blvd, Charlotte, NC; 1150 W Washington St., Tempe, AZ. Required location(s) listed above. This role has been approved for 100% remote in MN, NC, IA, AZ. Must live within commutable distance to the location(s) listed above.

Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $37.02 - $63.94.

Benefits: Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement

Posting End Date: 5 May 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.

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

Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. News, insights, and perspectives from Wells Fargo are also available at Wells Fargo Stories. Additional information may be found at: wellsfargo.com wellsfargojobs.com. For questions on how to search and apply, visit frequently asked questions.

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Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

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This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...