Underwriter High Net Worth Credit Card & Unsecured Lending

About the role

Wells Fargo is seeking an Underwriter in Specialty Credit Services as part of Consumer Banking and Lending. This role is ideal for a credit professional who thrives in a fast-paced environment, enjoys making sound judgment-based credit decisions, and is passionate about delivering exceptional experience for affluent clients.

Responsibilities

• Evaluate complex consumer credit requests from high-net-worth customers, utilizing financial analysis, credit expertise, and independent judgment to make informed lending decisions.
• Partner closely with bankers and internal stakeholders while balancing customer experience, risk management, and operational excellence.
• Communicate credit decisions clearly and professionally to internal and external stakeholders.
• Provide thoughtful decision rationale and recommendations on complex credit situations.
• Maintain complete, accurate, and compliant credit files in accordance with regulatory and company requirements.
• Manage a high-volume underwriting pipeline while maintaining strong attention to detail and service-level expectations.
• Contribute to a collaborative team environment and support ongoing process improvements.
• Deliver premium customer experience aligned with the expectations of affluent and high-net-worth clientele.

Requirements

• 2+ years of underwriting, loan processing, originations, or closing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications

• Experience analyzing consumer credit and making independent credit decisions.
• Experience reviewing financial documentation, including credit reports, tax returns, income documentation, and financial statements.
• Strong analytical, problem-solving, and decision-making skills.
• Experience with underwriting high net worth unsecured credit cards or credit transactions.
• Experience underwriting high-net-worth or affluent clients.
• Experience underwriting unsecured credit cards, consumer lending, home equity products, or related credit transactions.
• Experience working within delegated lending authority and making judgment-based credit decisions.
• Experience managing a high-volume underwriting pipeline.
• Experience partnering with bankers, financial advisors, or relationship managers.
• Understanding of private banking, wealth management, or affluent customer lending environments.
• Ability to analyze complex financial profiles and articulate clear credit decision rationale.
• Strong attention to detail in a dynamic, rapidly changing environment.

Pay

$28.85 - $48.08 per hour

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• 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