Lead Underwriter Specialty Lending (Affluent Clients)

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About this role :

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.

In this role, you will :

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

Required Qualifications :

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

Desired Qualifications :

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

Job Expectations :

Relocation assistance is not available for this position.

This position is not eligible for Visa sponsorship

Must be able to work on-site

Location : Charlotte NC

Chandler AZ

St. Louis Park MN

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$87,000.00 - $154,000.00

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

Posting End Date : 19 Nov 2025

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo () .

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy () to learn more.

Wells Fargo Recruitment and Hiring Requirements :

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Req Number : R-500973