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Secured Lending Underwriter

https://www.wellsfargo.com/ Logo

Wells Fargo

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Location:
India , Bengaluru

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Category:
Banking

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Contract Type:
Not provided

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Salary:

Not provided
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Job Description:

Wells Fargo is seeking a Secured Lending Underwriter. In this role, you will: Participate in the partnership with the Underwriting team on all aspects of new business transaction process; Perform financial analysis, calculate financial covenants, and prepare financing memorandum within Secured Lending Underwriting; Review basic issues, policies, or procedures where answers can quickly be obtained related to low to medium risk and deliverables; Receive direction from Secured Lending Underwriting supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements; Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.

Job Responsibility:

  • Participate in the partnership with the Underwriting team on all aspects of new business transaction process
  • Perform financial analysis, calculate financial covenants, and prepare financing memorandum within Secured Lending Underwriting
  • Review basic issues, policies, or procedures where answers can quickly be obtained related to low to medium risk and deliverables
  • Receive direction from Secured Lending Underwriting supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements
  • Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals
  • Manage a portfolio of Secured Lending clients, which includes regular monitoring with trend analysis, covenant calculation, risk rating, facility renewals, financial analysis credit write-up, industry analysis, company background, collateral analysis etc.
  • Monitor timely receipt of customer documents like financials/ compliance certificate etc. and review the same for accuracy
  • Track and monitor performance of assigned portfolio and take necessary actions/decisions for any improvement or deterioration in financial performance
  • Strong stakeholder management
  • Build in-depth knowledge of the process and become an SME for process-related activities
  • Collaborate and consult with Secured Lending Underwriting peers, colleagues, and middle level managers to resolve issues and achieve goals
  • Maintain and update reporting requirements as necessary
  • Quick learner and self-motivated
  • Should be able to analyze Company’s management and equity sponsors’ strength & weaknesses.

Requirements:

  • 2+ years of Secured Lending Underwriting experience, or equivalent experience demonstrated through one or a combination of the following: work experience, training, military experience, education
  • MBA (Finance), CFA or Chartered Accountant
  • 2+ years of Secured Lending Underwriting experience/ credit rating
  • 2+ years of experience in one or a combination of the following: End to end credit lending services for commercial loans, credit underwriting specialized senior secured financing, accounts receivable financing and purchase order financing to companies and use qualitative and quantitative metrics to arrive at Rating of Borrowers and continuous portfolio monitoring and related tasks
  • Strong verbal and written Communication skills

Nice to have:

  • Ability to leverage approved AI tools (e.g., Microsoft Copilot, GitHub Copilot, Tachyon, Agentspace) for drafting, summarization, and analysis with appropriate human oversight
  • Ability to interpret and validate AI‑generated outputs before applying them to credit decisions
  • Awareness of ethical considerations, data privacy, and compliance requirements related to AI usage
  • Willingness to continuously learn and adapt to evolving technologies

Additional Information:

Job Posted:
April 24, 2026

Expiration:
May 28, 2026

Employment Type:
Fulltime
Work Type:
On-site work
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