Lead Underwriter Specialty Lending, Wells Fargo

Wells Fargo

Location:
United States, Charlotte ▼
Chandler
St. Louis Park

Category:
Banking

Contract Type:
Employment contract

Salary:

87000.00 - 154000.00 USD / Year

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Job Description:

Wells Fargo is seeking Lead Underwriter within the Cards, Merchant Services, and Personal Loans (CMSPL) group, part of our Consumer Lending division that is responsible for analyzing, reviewing, and approving the credit worthiness for high-net-worth customer credit card requests.

Job Responsibility:

Review, analyze, and evaluate complex credit applications and credit line increases high-net-worth customers
Analyze credit applications and credit line increases, credit bureau information, collateral valuation and cash flow tax returns, financial statements, trusts, investment portfolios and or other supporting documentation to recommend or approve appropriate credit line requests
Expert communication skills ensuring best in class customer experience and proactively address customer needs to customize lending solutions
Collaborate with internal partners such as Wealth Advisors and Private Bankers to proactively address client needs
Ensure exceptional customer service delivery to affluent customers balancing credit quality with customer experience
Lead complex initiatives with broad impact and act as key participant in the development of projects for Specialty
Ensure conformity with bank policies and procedures
Evaluate complex processes or tasks that may require research into the cause and effect of challenges to projects or procedures related affluent credit card originations

Requirements:

5+ years of Underwriting experience, or equivalent demonstrated through work experience, training, military experience, education
5+ years of Underwriting for affluent customers with background in high line assignments
Deep understanding of Wealth Management and experience with high value credit portfolios
Financial Statement Analysis: Ability to interpret complex financial documents, including tax returns, balance sheets, and income statements
Credit Risk Assessment: Proficiency in evaluating creditworthiness using credit scores, debt-to-income ratios, and other risk indicators
Cash Flow Analysis: Understanding of personal and business cash flow to determine repayment capacity
Communication Excellent verbal, written, and interpersonal communication skills
Portfolio Management: Experience managing large or complex credit portfolios, including exposure limits and diversification
Extensive knowledge of lending policy guidelines and procedures as evidenced by strong credit and compliance quality
Track record of proactive problem solving, taking initiative, and effectiveness in resolving complex escalations timely and decisively to meet customer expectations
Ability to manage multiple priorities, including managing a pipeline and supporting escalations while maintaining excellent quality
Analytical skills focusing on problem solving, process improvement and customer impact in a rapidly changing environment
Ability to organize, re-prioritize, and manage multiple priorities in-order-to meet deadlines

Nice to have:

Background in high line assignments
Experience with high value credit portfolios
Financial Statement Analysis
Credit Risk Assessment
Cash Flow Analysis
Portfolio Management

What we offer:

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement

Additional Information:

Job Posted:
September 20, 2025

Expiration:
October 12, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Lead Underwriter Specialty Lending