Underwriting Associate - Personal Loan

About this role:

Wells Fargo is seeking an Underwriting Associate for Personal Loan. This role is responsible for analyzing, reviewing, and approving the credit worthiness of borrower requests for secured or unsecured loans or credit cards in accordance to bank policies and procedures.

In this role, you will:

• 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, 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 customers and partners to gather information to make appropriate decisions, and explain rationale behind credit decisions
• Receive direction from leaders and exercise judgment while developing understanding of the Underwriting procedures
• Provide information to team, managers and customers to related inquiries

Required Qualifications:

• 6+ months of underwriting, loan processing, originations, or closing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Minimum of 2 years of relevant work experience
• Completion of at least 2 years of college education
• Experience or working knowledge in credit analysis and risk assessment, including evaluating loan applications using approved credit criteria and risk frameworks
• Strong analytical skills, with the ability to interpret financial, income, asset, and liability information accurately
• Ability to apply underwriting policies and guidelines consistently and recognize valid exceptions
• Sound decision-making and judgment, with the ability to support approval or decline decisions with clear documentation
• Strong documentation and attention to detail, ensuring underwriting decisions are properly documented and ready for review or audit
• Ability to use underwriting and decisioning systems accurately and efficiently
• Familiarity with credit reports, underwriting principles, customer identification requirements, loan purposes/restrictions, and underwriting terminology would be beneficial
• Strong focus on quality, due diligence and adherence to procedures
• Amenable to onsite work in McKinley Hill, Taguig City
• Amenable to graveyard shift schedules

Posting End Date:

20 Nov 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.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

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.

c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.