Business Accountability Associate

2 months ago

Chennai Tamil Nadu, India Wells Fargo Full time

**About this role**:
Wells Fargo is seeking a Business Accountability Associate.

**In this role, you will**:

- Participate in and provide support for low-complexity matters pertaining to the business' policy and regulatory adherence, risk mitigation, or control efforts
- Research, review, document, and present findings related to issues, records, policies, and procedures for which answers can be quickly obtained
- Receive direction from supervisors and exercise judgment within defined parameters while developing understanding of function, policies, procedures, records, and other business information
- Collaborate and consult with peers, colleagues, and managers to implement actions in support of risk-mitigation and control initiatives

**Required Qualifications**:

- 6+ months of risk management, business controls, quality assurance, business operations, compliance, or process experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications**:

- Experience in US residential mortgage processing and underwriting experience with experience in income calculation, credit and assets review
- Working knowledge on Agency / Conventional loan Underwriting for primary residence (Purchase and Refinance)
- Graduate in commerce/finance/management stream
- Perform in-depth review of mortgage loan file including Credit, Capacity, Capital and Collateral documents
- Detailed review of Credit related documents such as Credit Report from Experian/Transunion/Equifax, Credit Supplements, Mortgage Statement, and Letter of Explanation etc.
- Detailed review of Capacity related documents such as Paystub, W2, VOE, Award letters and Bank Statements etc.
- Detailed review of Capital related documents such as Bank Statements, Gift letter, Stocks and Bonds etc.
- Detailed review of Collateral related documents such as Property Appraisal Report, Flood Report, and Purchase Agreement etc.
- Recommend borrower's eligibility in accordance with internal policies and procedures, agency guidelines and overlays utilizing Automated Underwriting System (AUS)
- Ability to identify potential red flags relating to customer information, income, assets, property, all parties to the transaction, etc.
- Analyze risks and offsets related to performing in-depth, prefund loan reviews. Present recommendations for resolving various issues related to reviews and loan files
- Utilize current knowledge of credit policy guidelines and procedures, use available tools and resources to recommend credit decision
- Ability to clearly document the loan rationale findings in loan notes
- Review stipulations/conditions for compliance and completion of loan file specific to the borrower profile, loan program and product
- Receive direction from more experienced managers and exercise judgment on relevant reviews within rules and regulations while developing an understanding of internal company requirements

**Job Expectations**:

- Graduate in commerce/finance/management stream
- Basic Microsoft Office skills
- Excellent verbal, written, and interpersonal communication skills
- Strong analytical skills with high attention to detail and accuracy
- Ability to take initiative and drive for results with mínimal supervision
- Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex fast paced environment
- Provide communication regarding overall process and transaction quality to appropriate parties
- Research, review, document, and present findings related to issues, records, policies, and procedures for which answers can be quickly obtained
- Receive direction from supervisors and exercise judgment within defined parameters while developing understanding of function, policies, procedures, records, and other business information
- Collaborate and consult with peers, colleagues, and managers to implement actions in support of risk-mitigation and control initiatives

**Posting End Date**:
**Job posting may come down early due to volume of applicants.**

**We Value Diversity**

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.

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