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Lead Underwriter Specialty Lending (Affluent Clients)
Lead Underwriter Specialty Lending (Affluent Clients)Arizona Staffing • Chandler, AZ, US
Lead Underwriter Specialty Lending (Affluent Clients)

Lead Underwriter Specialty Lending (Affluent Clients)

Arizona Staffing • Chandler, AZ, US
1 day ago
Job type
  • Full-time
Job description

Lead Underwriter

Wells Fargo is seeking a 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
  • Ensure 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
  • Ability to interpret complex financial documents, including tax returns, balance sheets, and income statements
  • Proficiency in evaluating creditworthiness using credit scores, debt-to-income ratios, and other risk indicators
  • Understanding of personal and business cash flow to determine repayment capacity
  • Excellent verbal, written, and interpersonal communication skills
  • Experience managing large or complex credit portfolios, including exposure limits and diversification
  • 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 : $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

    • 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.

    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.

    Wells Fargo Recruitment and Hiring Requirements :

  • Third-Party recordings are prohibited unless authorized by Wells Fargo.
  • Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

    • Req Number : R-500973

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    Underwriter • Chandler, AZ, US