John Hanzel
Wells Fargo
Brandon
16
years of professional experience
Business Execution Associate, testing and data validation professional with 20 years of experience at Wells Fargo across operational testing, risk management, regulatory compliance, underwriting, training and leadership. Skilled in translating complex policies and business requirements into structured test strategies, identifying defects and control weaknesses, documenting defensible evidence and partnering across business and technology teams to strengthen execution. Known for analytical rigor, attention to detail and a practical focus on process improvement and operational excellence.
Work History
Business Execution Associate-Analyst
3 Years 4 Months- Lead end to end testing and validation of critical business capabilities and operational processes, aligning test execution to documented requirements, policies and control expectations.
- Develop test plans, scenarios, evidence and validation results that support clear traceable and defensible conclusions.
- Perform production validation for technology code releases to confirm expected functionality and business readiness.
- Identify defects, process gaps and control weakness prior to implementation, helping reduce operational and compliance risk.
- Analyze results and provide practical recommendations that support risk mitigation business objectives and informed decision making.
- Partner with leadership, business stakeholders and technology teams to resolve issues, maintain accurate documentation and deliver key initiatives with strict deadlines.
SLR Underwriter
11 Years 4 Months- Evaluated complex loan modification applications for creditworthiness, collateral, and guideline compliance.
- Interpreted financial statements, income documentation, and asset verification to support sound lending decisions.
- Applied underwriting policies across conventional, government, and portfolio loan products.
- Reviewed appraisal findings, title issues, and borrower exceptions to identify risk and required follow-up.
- Advised teammates on underwriting standards, documentation requirements, and exception handling.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Coordinated with loan officers, processors, and closing teams to resolve conditions and move files efficiently.
- Maintained working knowledge across private and government owned portfolios.
Consumer Loan Underwriter
1 Year 6 Months- Evaluated consumer loan modification applications using credit reports, income documentation, debt ratios, and collateral data.
- Applied underwriting guidelines to approve, decline, or condition loans within established risk parameters.
- Reviewed documentation for accuracy, completeness, and compliance with lending policies and regulatory requirements.
- Identified credit exceptions and escalated higher-risk files for additional review and decisioning.
Education
High School Diploma
Skills
Functional testing methodologies
Risk management
Strategic business execution
Operational efficiency
Process optimization
Regulatory adherence
Awards and Acknowledgements
- United Way Volunteer
- Team Member of the Month
- Voice of the Team Award
- Quality Star Award
Timeline
Business Execution Associate-Analyst
Wells Fargo
08.2023 - 12.2026Read More
SLR Underwriter
WellsFargo
04.2012 - 08.2023Read More
Consumer Loan Underwriter
Wells Fargo
10.2010 - 04.2012Read More
West Fargo High School
High School Diploma
Read More