Lead Secured Lending Underwriter

This position is a full-time role based in Charlotte, NC, with a hybrid work schedule. Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired.

About the Role

In this role, you will lead the underwriting process to meet project deliverables, including coordination with multiple stakeholders. You will leverage a solid understanding of secured lending underwriting functional areas, policies, procedures, and compliance requirements.

Responsibilities

• Lead the credit underwriting of corporate financial counterparties.
• Present all information in a concise and clear format for credit approval.
• Actively engage with credit approvers and other key stakeholders during the credit approval process.
• Champion deals throughout the underwriting deal lifecycle.
• Manage client and internal constituents’ expectations throughout the approval and loan closing process.
• In conjunction with legal counsel, lead the structuring and negotiation of legal documentation.
• Ensure proper risk ratings, oversee compliance and third-party diligence activities including collateral examinations, appraisals, and other business/contract diligence.
• For applicable credits, lead the structuring and completion of the ARS servicer report model in conformity with S&P Trade Receivables Securitization Criteria.
• Collaborate closely with the originations and portfolio teams to ensure steady information flow and smooth transitions.
• Collaborate and consult with underwriting peers, colleagues, and managers to resolve issues and achieve goals.
• Lead secured lending underwriting projects and teams.
• Serve as a mentor to junior teammates.

Requirements

• 5+ years of Secured Lending Underwriting experience, or equivalent experience demonstrated through one or a combination of the following: work experience, training, military experience, education.

Qualifications

• 3+ years of experience with securitization or asset-based lending.
• Advanced Microsoft Office (Excel, Word, PowerPoint) skills.
• Strong analytical skills, with heightened attention to detail and accuracy, recognizing the importance of data integrity and adherence to credit policies and procedures.
• Strong verbal and written communication skills and ability to work effectively with internal stakeholders and clients.
• Working knowledge of various secured lending programs and structures.

Job Expectations

• Willingness to work on-site at the stated location.
• This position is not eligible for Visa sponsorship.
• May be considered for a discretionary bonus, Restricted Share Rights, or other long-term incentive awards.

Pay

$139,000.00 - $260,000.00 per year. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location.

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, including:

• 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