Why Wells Fargo:

Are you looking for more? Find it here. At Wells Fargo, we believe that a meaningful career is much more than just a job. It’s about finding all the elements that help you thrive, in one place. #LivingTheWellLife means you’re supported in life, not just work. It means having a competitive salary, a robust benefits package, and programs to support your work-life balance and well-being. It means being rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it! Wells Fargo ranked in the top three on the 2024 LinkedIn Top Companies List of best workplaces “to grow your career” in the U.S.

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 requestsExpert communication skills ensuring best in class customer experience and proactively address customer needs to customize lending solutionsCollaborate 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 skillsPortfolio 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 qualityTrack record of proactive problem solving, taking initiative, and effectiveness in resolving complex escalations timely and decisively to meet customer expectationsAbility to manage multiple priorities, including managing a pipeline and supporting escalations while maintaining excellent qualityAnalytical 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:

This position is not eligible for a visa sponsorship.Relocation assistance is not available for this position.

Location:

Charlotte NCChandler AZSt. 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 - $140,000.00

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 benefits401(k) PlanPaid time offDisability benefitsLife insurance, critical illness insurance, and accident insuranceParental leaveCritical caregiving leaveDiscounts and savingsCommuter benefitsTuition reimbursementScholarships for dependent childrenAdoption reimbursement

Posting End Date:

23 Aug 2025

*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.