Private/Bus Ln Underwriter 5

Job Description

It starts with you. Our goal is to attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions. We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.

Wealth and Investment Management (WIM) is one of the company's four main divisions. WIM businesses build enduring client relationships through sound, thoughtful and objective advice. We help our clients by developing individualized plans for everything from retirement goals to business succession planning, to family legacy intentions. Services include comprehensive planning and advice, investment management, brokerage, private banking, estate planning strategies, trust, insurance and both individual and institutional retirement. #WIMIndeed

Wealth Management (WM) is a member of WIM and a leading provider of financial services to high-net worth clients through Wells Fargo Private Bank, and to the affluent segment through partnerships between Wealth Brokerage Services and the Community Bank. In Wealth Management, clients are provided with a complete range of solutions to help them manage, preserve and transfer their wealth

The Private Business Loan Underwriter 5 is the most senior of Wealth Management's or WF Equipment Finance's Private/Bus Ln Underwriters. Performs financial analysis and underwriting and structuring of highly complex Private Banking and Consumer/Mortgage relationships. Analyzes business financial statements and tax returns. Is proficient in WMG's (or WFEFI's) Credit Policies and regulatory compliance requirements while serving Commercial business or High Net Worth and Ultra High Net Worth and Family Wealth clients. Exercises independent judgment and works with no direct supervision. Responsible for the efficient and timely analysis and underwriting of highly complex borrower, financial and collateral circumstances. Responsible for highly complex credit structuring and communicating recommendations verbally and in writing. Regularly monitors existing portfolio and communicates findings and recommend solutions to management in a timely manner.Meets with clients in partnership with Private Banker or WFEFI Territory Manager in a client advisory role and in credit negotiations as required. Coaches other members of the Credit Administration when appropriate.

Required Qualifications

  • 10+ years of combined experience in the following: financial analysis, underwriting and structuring of highly complex, high net worth, consumer and mortgage relationships

Desired Qualifications

  • Ability to interact with all levels of an organization
  • Excellent verbal, written, and interpersonal communication skills
  • Good analytical skills with high attention to detail and accuracy
  • Private banking experience
  • 5+ years of real estate underwriting experience


All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

Relevant military experience is considered for veterans and transitioning service men and women.

Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


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