Senior Secured Lending Underwriter

Wells Fargo's Supply Chain Finance Group ("SCF") supports companies with a broad range of supply chain solutions, including trade and receivables products, which provide a holistic approach to an enterprise's working capital risk mitigation and financing needs. SCF is seeking a dynamic and analytical Senior Secured Lending Underwriter to support the underwriting, approval, and execution of secured lending transactions.

Responsibilities

• Support the underwriting and closing of secured lending transactions.
• Perform financial, collateral, industry, and transaction analysis to evaluate credit risk and identify key risk factors.
• Prepare concise and well-supported credit approval materials for review by credit approvers and senior stakeholders.
• Support the credit underwriting of corporate financial counterparties.
• Analyze transaction structures, collateral performance, repayment sources, and other factors influencing credit quality.
• Partner closely with Originations and the underwriting team to seamlessly transition executed mandates into the formal underwriting and credit approval process.
• Assist in the identification and assessment of credit, operational, legal, documentation, and structural risks.
• Exercise independent judgment while performing moderately complex underwriting assignments and escalating more complex issues as appropriate.
• Support due diligence activities, including collateral examinations, appraisals, business diligence, contract reviews, and other transaction-specific requirements.
• Assist with risk ratings, policy compliance reviews, approval conditions, and ongoing monitoring requirements.
• Work with legal counsel, originators, portfolio managers, and other stakeholders to support transaction execution and closing activities.
• For applicable transactions, assist in the preparation and review of ARS-related analyses and reporting requirements.
• Collaborate effectively with underwriting teammates and business partners to resolve issues and achieve transaction objectives.
• Identify opportunities to improve underwriting processes, templates, and workflow efficiencies.
• Continue developing expertise in secured lending underwriting, policies, procedures, and compliance requirements.

Requirements

• 4+ years of secured lending underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Qualifications

• Experience with asset-based lending, receivables finance, factoring, securitization, supply chain finance, or related commercial lending products.
• Strong analytical and financial statement analysis skills.
• Ability to prepare clear and effective written credit analysis.
• Strong attention to detail and commitment to data integrity and policy compliance.
• Working knowledge of secured lending concepts, collateral analysis, legal documentation, and credit risk management.
• Strong verbal and written communication skills.
• Advanced Microsoft Office (Excel, Word, PowerPoint) skills.

Job Expectations

• Willingness to work on-site at stated location on the job opening.
• This position is not eligible for Visa sponsorship.
• This position offers a hybrid work schedule.
• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to comply with applicable policy requirements.
• May be considered for a discretionary bonus, Restricted Share Rights, or other long-term incentive awards.

Pay

$100,000.00 - $196,000.00

Benefits

• 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