Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A., employs many different mortgage professionals, all integral to the mortgage loan process. Take a look at the variety of jobs that Wells Fargo employees perform:

Teresa Diaz-Cochran
Operations Analyst 2 (Bankruptcy Department)
Ft. Mill, SC

I manage the outsource bankruptcy portfolio. Specifically, I handle the reconciliation report, monthly audits, questions, affidavits, and research. I also handle payment application issues and reversals. I conduct weekly meetings to resolve outstanding issues for the vendor. In addition, I assist with the loan level review of key indicators, which measure the vendor’s performance and assist with the monthly data analysis to review loans that the Bankruptcy Department may be able to release.

After graduation from college, I was searching for a job that was challenging, but had regular hours. Since I have two children, I wanted to work in a family-oriented environment. I found what I was looking for in the bankruptcy department at Wells Fargo Home Mortgage. Bankruptcy was an interesting topic in college, which prompted me to apply for a position in the bankruptcy department.

I joined Wells Fargo Home Mortgage in October 2001.

I have an associate's degree in Applied Science for Business and a Bachelor of Arts degree. While neither is essential to my job, I feel they helped in receiving the job offer and assisted with my career development. Courses that have helped in my daily job activities would be Business Law, Business Computing, Management, Accounting and Logic.

What advice do I have for those interested in a career in the mortgage industry? The mortgage industry is an ever-changing and evolving environment. I would recommend it for anyone who likes independent work and daily challenges.

Wanda Harper
Non-Prime Supervisor 1
Fort Mill, SC

As Non-Prime Supervisor 1, my responsibilities include the following:

• scheduling
• assisting team members with difficult calls and account resolution
• training staff on procedures and new policies
• maintaining our outbound dialing system, by utilizing various dialer attributes
• maintaining Avaya, the inbound call system
• Reviewing and monitoring team member statistics
• Conducting team meetings and one-on-ones with my staff
• Generating daily, weekly, monthly reports
• Reviewing monthly workflow and process analysis

Prior to working for Wells Fargo, I actually had no experience in the mortgage industry. However, I had a strong collections background in Subprime auto financing, which made the transition to mortgage collections in a Subprime setting fairly smooth.

I have been with Wells Fargo for four years. I started with the company in February 2000 as a temporary employee. I was hired shortly thereafter to work on 30-day delinquent accounts. A few months later I was moved into late stage collection.

I don’t feel as though my education had much to do with my current job activities. I think the knowledge that I acquired through training and having a substantial amount of experience in collections helped me to make the transition into a supervisory position.

To those interested in a career in mortgage banking, I recommend taking classes that are available to help them learn about the industry. Seek knowledge from others that have been in the mortgage industry, be open to learning something new at all times, and be ready for a fast-paced environment.

Neva Gwarek
Business Systems Consultant III
Fort Mill, SC

In 1997, a move to a new city and many years of administrative and analytical experience afforded me the opportunity to join the mortgage industry. I have been with Wells Fargo since March 3, 1997.

My title is Business Systems Consultant III. To ensure the Business units I represent, I have the opportunity to use the most effective technology to complete their business needs. My responsibilities include consulting with the business units to ascertain their needs, analyzing their requests, and then converting their requests to a more streamlined and efficient method of completing their functions.

After meeting with business units I prepare a visual of their verbal requests (usually a VISIO presentation) and review the visual presentation with the management team to ensure their requests are being met. After business unit approval, I then work with a programmer to have the program/fix/enhancements built into the application. After the programmer completes his or her function, I then test the application to make sure the change/fix/enhancement/program is doing what it was designed to do.

After complete testing, I then write User Instructions for the application. When the application and user instructions are ready, I then meet with the business unit and present the application for their use.

Prior to joining the mortgage business, the most important thing I learned was to listen. The ability to really listen is very important in this industry.

What advice do you have for those interested in a career in the mortgage industry? Be flexible. Be willing to listen and learn – almost everyday something new is happening in the mortgage industry.

Stephanie Harris
Supervisor II
Fort Mill, SC

As Supervisor II, I am responsible for overseeing the FHA portfolio. I have been with Wells Fargo for four years.

In 1989, I was introduced into the credit union world. My interest gravitated towards becoming a loan officer. I accomplished that goal, and it led me into home equities and cross selling along side the mortgage origination team.

My education background has given me discipline and a concrete work ethic.

My advice for anyone interested in the mortgage field would be to soak up as much information in regards to all investors. Once you have mastered the work rules for each investor, I believe you will be a better asset to the mortgager. I would also strongly advise honing your listening skills. The easiest way to lose out in the mortgage world is to assume and not listen.

Amanda Hill
Supervisor
Frederick, MD

I am responsible for the daily management/supervision of team consisting of 16 fulltime staff members. My team is responsible for the efficient processing of various litigated matters, including, but not limited to, bankruptcy, foreclosure, and post foreclosure sale cases. Our team is also responsible for overseeing the conversion of manufactured housing units to real property.

I entered the mortgage industry in July 1992 as a part-time operations clerk through the local Board of Education work-study program. I have been with Wells Fargo for almost 12 years.

While education is important to success in the mortgage industry, hands-on experience is equally beneficial. Wells Fargo offers many internal training and educational opportunities for team members.

Paul Mueller
Collections Manager (Late Stage Outbound Collections Manager)
Minneapolis, MN

I manage two Late Stage Outbound mortgage servicing operations in Minneapolis, Minnesota and Fort Mill, South Carolina. My duties and responsibilities include:

• Cross-site management of up to 100 employees
• Manage direct reports who oversee Late Stage Outbound teams in MN and SC.
• Accountable for ensuring all Company, Investor, and Government procedures and policies are executed across the operation.
• Accountable for budget performance, delinquency performance, and migrating new policy and procedure to impact the business unit.
• Develop strategies that impact Late Stage delinquency, roll rate volumes and foreclosure rates.
• Maintain workout pipeline between Collections and Loss Mitigation and minimize loans going to REO.

My mortgage career began in 1993 and I started with the former company Norwest Mortgage, Inc. I started in the Customer Service division and moved to Collections in 1994. I’ve been with Wells Fargo for over ten years.

My Bachelor of Science Business degree has provided me with a number of skills that I use today in the business. I utilize my quantitative skills, project management, accounting and math, problem solving and social skills that came from my four-year program of courses.

My advice for those interested in the real estate finance industry is to get connected with a mentor or spend time researching the various functional jobs in the industry. Look at internship programs available within mortgage banking. While in college, look at getting a part-time job in mortgage banking and grow with the company.