Commercial Real Estate Underwriting Associate Job at Wells Fargo (Bengaluru)

Senior Vice President - Underwriter - (Structured Credit and Real Estate Underwriting)

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably real estate underwriting or asset management) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Ability to understand capital markets products and complex financing and product structures
Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
Pro-active disposition with ability to work autonomously and within a team
Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs
Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
On track for internal Senior Credit Officer designation is a plus

Job Responsibility

Accountability for ensuring strong analysis of the assigned Real estate portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Support the ICM Real Estate Underwriting Verticals (Citi Community Capital, CRE) on strategic initiatives/projects

What we offer

Global Benefits
Best-in-class benefits
Work-life balance

Fulltime

Real Estate Underwriter

On behalf of a leading insurer, we are currently recruiting for a motivated Real...

Location

United Kingdom , London

Salary:

55000.00 - 60000.00 GBP / Year

Lawes Consulting Group

Expiration Date

Until further notice

Requirements

Minimum 2-3 years of experience in Real Estate or Property Underwriting, ideally within commercial lines
Demonstrated ability to manage underwriting portfolios effectively, delivering on growth and profitability targets
Knowledge of both UK and international real estate insurance markets and associated risk factors
Experience working with or within broker-led distribution models is preferred
Strong analytical and decision-making skills, with a keen eye for risk and opportunity
Confident communicator with excellent written and verbal communication abilities
Proven relationship-building skills with the ability to influence and negotiate at various levels
Self-driven and organised, capable of managing a workload with minimal supervision
Commercially astute and comfortable contributing to a high-growth, entrepreneurial environment
Willingness to travel as needed for client or team engagement

Job Responsibility

Underwrite a varied portfolio of real estate risks to achieve profitable outcomes
Assess risk submissions and set pricing and terms aligned with underwriting strategy
Build and maintain strong relationships with brokers and key stakeholders
Contribute to underwriting guidelines, tools, and process improvements
Ensure compliance with regulatory and internal standards
Provide real estate underwriting expertise and support product innovation
Independently manage and underwrite real estate submissions
Work closely with brokers to deliver tailored solutions
Track market trends and competitor activity to guide decisions
Document and communicate underwriting decisions clearly

Fulltime

Underwriter - Commercial Real Estate

The Underwriter role involves comprehensive financial and risk analysis of Comme...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

6+ years of relevant experience
previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry
strong financial modeling experience in Microsoft Excel, including complex financial modeling, data manipulation, and scenario analysis
ability to apply credit and risk principles toward business goals
demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision
highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Job Responsibility

Conduct comprehensive financial analysis of Commercial Real Estate properties and associated sponsors/borrowers
develop and maintain complex financial models
prepare well-reasoned and succinct credit approval request memorandums highlighting risks and actionable recommendations
conduct projection modeling, stress testing and analyses
support Senior Underwriters in making credit decisions using quantitative models and qualitative judgment
oversee periodic relationship credit monitoring and prepare Annual Reviews, Quarterly Reviews, and Criticized Credit Reviews
proactively identify early warning signs of credit deterioration and propose corrective actions
review and validate financial spreads, reports, and static data updates
support internal reviews and regulatory exam responses
prepare executive-level summaries of financial analysis and risk assessments

Fulltime

Commercial Real Estate Underwriter

This role involves conducting financial analysis of commercial real estate prope...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3-6 years of relevant experience
Previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry
Strong financial modeling experience in Microsoft Excel, including complex financial modeling, data manipulation, and scenario analysis
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision
Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Bachelor's/University degree or equivalent experience
MBA or CFA or CA preferred

Job Responsibility

Conduct comprehensive financial analysis of Commercial Real Estate properties and associated sponsors/borrowers, including historical performance, pro forma projections, rent rolls, operating statements, and balance sheet analysis
Develop and maintain complex financial models specific to various CRE asset types and transaction structures
Prepare credit approval request memorandums, highlighting key risks, mitigants, and actionable recommendations
Conduct projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources
Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications
Oversee periodic relationship credit monitoring including preparing Annual Reviews, Quarterly Reviews, and Criticized Credit Reviews
Proactively identify early warning signs of credit deterioration and elevate concerns to senior portfolio managers
Review and validate the quality of financial spreads, reports, and static data updates
Support Senior Underwriter and Underwriter during internal reviews and external regulatory exam responses
Prepare executive-level materials and presentations summarizing complex financial analysis and risk assessments

What we offer

Extensive on-the-job training
Exposure to senior leaders
Traditional learning opportunities
Volunteerism opportunities
Equal opportunity employer policies and practices

Fulltime

Senior Vice President - Structured Credit and Real Estate Underwriting

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Pro-active disposition with ability to work autonomously and within a team
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
Strong Microsoft Office skills
Modeling experience is a plus
Strong attention to detail
Oral and written communications skills enabling the candidate to effectively interact with internal and external constituents of all levels
Strong awareness and adherence to the control environment including Quality Assurance and Quality Control

Job Responsibility

Accountability for ensuring strong analysis of the assigned SCREU portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Keep abreast of industry and market trends and customer-specific events

Fulltime

ICM In-Business Quality Assurance - Real Estate and Structured Credit Underwriting

Institutional Credit Management’s (“ICM”) objective is to provide an integrated ...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable quality control / quality assurance experience, including 5 - 7 years in banking, credit risk management, credit risk internal audit, loan review or quality assurance function at a large financial institution, established rating agency, or equivalent
Familiarity with risk management and controls frameworks related to credit risk management or another financial risk discipline
Ability to understand policies and procedures and execute change seamlessly
Understanding of complex counterparty credit product structures, and ideally versed in securitization and credit financing products such as ABS, CLOs, TRS and Commercial Real Estate, etc.
Background on core credit analysis and underwriting for large corporate and finance industries and awareness of risks and controls associated with credit approvals
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little supervision
Evolving interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Ideally, experience in preparing presentations for senior stakeholders
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills

Job Responsibility

Support the QA Head of Real Estate and Structured Credit Underwriting in discussions to define the Quality Assurance function and Reviews across ICM coverage universe
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, with respect to credit memorandums and associated process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Provide support to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite and all policies and processes established within the risk governance framework
Under the supervision of the Quality Assurance Head – Real Estate and Structured Credit Underwriting, support the execution of the following: Consistent and objective assessments during QARs and subsequent follow-up on corrective actions that were raised during QARs
Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesis and preparation of Quality Assurance Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Support the In-Business QA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support the QA Head of Real Estate and Structured Credit Underwriting to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings
Support the Global Head of WCR In-Business QA on internal projects and initiatives
Support ICM Voice of the Employee (VOE) initiatives

Fulltime

Institutional Credit Management, In-Business Quality Assurance - Real Estate and Structured Credit Underwriting

Institutional Credit Management’s objective is to provide an integrated “end-to-...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable quality control / quality assurance experience, including 5 - 7 years in banking, credit risk management, credit risk internal audit, loan review or quality assurance function at a large financial institution, established rating agency, or equivalent
Familiarity with risk management and controls frameworks related to credit risk management or another financial risk discipline
Ability to understand policies and procedures and execute change seamlessly
Understanding of complex counterparty credit product structures, and ideally versed in securitization and credit financing products such as ABS, CLOs, TRS and Commercial Real Estate, etc.
Background on core credit analysis and underwriting for large corporate and finance industries and awareness of risks and controls associated with credit approvals
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Data analysis skills are desirable
BA/BSc or higher degree in Business (MBA), or any other related subject

Job Responsibility

Support the QA Head of Real Estate and Structured Credit Underwriting in discussions to define the Quality Assurance function and Reviews across ICM coverage universe
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, with respect to credit memorandums and associated process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Provide support to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite and all policies and processes established within the risk governance framework
Consistent and objective assessments during QARs and subsequent follow-up on corrective actions that were raised during QARs
Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesis and preparation of Quality Assurance Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Support the In-Business QA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support the QA Head of Real Estate and Structured Credit Underwriting to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings
Support the Global Head of WCR In-Business QA on internal projects and initiatives
Support ICM Voice of the Employee (VOE) initiatives

What we offer

Equal opportunity employment
Reasonable accommodation for disabled individuals

Fulltime

New

Commercial Real Estate Portfolio Associate

Wells Fargo is seeking a...

Location

India , Hyderabad

Salary:

Not provided

Wells Fargo

Expiration Date

February 27, 2026

Requirements

6+ months of Commercial Real Estate Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Minimum 2yrs+ of US CRE experience
Underwriting experience or asset management experience in one or a combination of the following
Experience in supporting Commercial real estate investment management or commercial real estate balance sheet lending business
Ability to read and understand basic commercial real estate loan documentation, securitization documents, including pooling and servicing agreements and related documentations.
Minimum 4+ years of relevant US CRE experience.

Job Responsibility

Participate in basic review, research and reporting of commercial property performance
Exercise independent judgment to guide low risk deliverables
Present recommendations for resolving less complex situations and exercise independent judgment while developing expertise in the function, policies, procedures, and compliance requirements
Collaborate and consult with Commercial Real Estate Portfolio Management colleagues, internal partners, and stakeholders, including internal as well as external customers

Fulltime

Commercial Real Estate Underwriting Associate

Wells Fargo

Location:
India , Bengaluru

Category:
Banking

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
January 31, 2026

Expiration:
February 27, 2026

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