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Wealth & Investment Management (WIM) is one of the United States' leading providers of financial and investment services. We offer a full range of personalized wealth management, investment, planning, and retirement products and services to help meet clients' unique needs and to help them pursue their financial goals more confidently. We bring together subject matter expertise, products, and services, so it's easier for clients to do business with us and for advisors to support their clients.

Banking, Lending, & Trust (BL&T) unlocks access to Wells Fargo Bank products and services to high-net-worth and ultra-high-net-worth individuals and families based on needs related to banking, custom lending, and trust services. These bank specialists leverage resources, valuable research, relationships, custom solutions, and highly tuned strategies to address clients' unique needs and aspirations.

Provides support to WIM in providing services to affluent, high net worth and ultra-high net worth individuals, families, family offices and charities. BL&T further provides legal guidance on a variety of banking and fiduciary topics including investment management, general trust administration, specialty trusts, custody, tax, specialty assets, regulatory, privacy, ecommerce, deposit relationship and strategy, and business strategies.

About this role:

Wells Fargo is seeking a Senior Lead Wealth Underwriter...

Working at Wells Fargo | Jobs and Careers at Wells Fargo (wellsfargojobs.com)

Position Summary:

The Senior Lead Wealth Underwriter is responsible for the independent analysis, structuring, and underwriting of highly complex commercial credit relationships for law firm clients. This role supports the Legal Specialty Group (LSG) by partnering closely with Private Bankers and Regional Directors to deliver customized credit solutions that balance risk, regulatory requirements, and an exceptional client experience. The position requires deep technical expertise, strong judgment, and the ability to lead credit discussions with minimal supervision.

In this role, you will:

• Analyze, structure, and underwrite complex commercial credit relationships with significant aggregate exposure in accordance with business unit standards and WIM Credit Policy.
• Compile, analyze, and document detailed borrower, financial, credit risk, and collateral information to support credit decisions.
• Manage and monitor a complex portfolio of law firm clients, proactively identifying risks, trends, and opportunities.
• Conduct industry, market, and client-specific research to support credit recommendations, including management and industry studies as required.
• Review and negotiate loan documentation and credit provisions; lead discussions with internal partners and external legal counsel.
• Exercise independent credit judgment while ensuring full compliance with regulatory requirements and internal policies.
• Communicate credit recommendations clearly and effectively, both verbally and in writing, to senior management and stakeholders.
• Regularly service existing credits, communicate findings to management in a timely manner, and recommend appropriate risk mitigation or restructuring solutions.
• Identify opportunities to cross‑sell additional products and services in partnership with relationship teams.
• Mentor and provide guidance to less experienced underwriters, including reviewing analyses and offering constructive feedback as needed.

Required Qualifications:

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

Desired Qualifications:

• Preferred competencies include legal industry experience, capital markets expertise. Formal commercial credit training desirable. Wealth related underwriting/lending experience a plus.

• Extensive investment banking or corporate/commercial related experience in commercial underwriting or portfolio management. Thorough knowledge of financial accounting theory and logic, loan structuring, commercial products and services is needed for this role.
• Strong interpersonal skills and communication skills are essential. Candidate must have the ability to interact with Senior Management and/or Risk Management on strategic issues/initiatives. Must have top partnering skills; the ability to interpret and discuss analytical data; and the ability to multitask and prioritize.
• Proficient with computers and software applications (MSA, MS Excel, MS Word, other MS Office Suite applications, etc.) and applicable mainframe systems. Proven history of credit authority.
• Bachelor's degree preferred

Job Expectations:

• Ability to travel up to 20%

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

Posting End Date:

*Job posting may come down early due to volume of applicants.

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.