At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace equity and inclusion in a workplace where everyone feels valued and inspired. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.About this role:Wells Fargo is seeking a Lead Wealth Underwriter in the Banking, Lending, & Trust's (BL&T) center of excellence within Wealth & Investment Management (WIM). As part of its vision for a flatter, more nimble organization that is easier to do business with, WIM has created horizontal functions known as centers of excellence to support all client coverage channels. BL&T is a center of excellence that brings teams and functions across WIM’s consumer businesses under a common, WIM-level organization.The Underwriter will be on the Specialty Finance Group (SFG) credit team providing custom credit solutions to High Net Worth, Ultra High Net Worth, and Family Office clients. The SFG credit team is structured with four verticals offering credit secured by Securities Based Lending, including ESOP Qualified Replacement Property (QRP) loans, and complex/unique collateral types such as: aircraft, unsecured, concentrated and restricted stock positions, LLC interests, and other non-traditional collateral types. In this role, the Underwriter must be able to lead a lending opportunity from initial client discussions to LOI, through underwriting and final close.In this role, you will:Perform financial analysis and underwriting and structuring of Custom Credit Banking relationships. The foregoing may include analyzing business financial statements and tax returns. Responsible for the efficient and timely analysis and underwriting of complex borrower, financial and collateral circumstances.Responsible for credit structuring and communicating recommendations verbally and in writing. Drive private banking credit execution to deliver high quality custom credit solutions to existing and new clients while meeting regional goals for asset quality, banking revenue, and profitabilityRegularly monitor existing portfolio and communicate findings and recommended solutions to management in a timely manner. This will assist with leadership decisions in credit risk management and ensure credit portfolio satisfactory risk exams.Meet with clients in partnership with a Custom Credit Banker in a client advisory role and in credit negotiations, as required.Collaborate and consult with more experienced management and regional teams on the timely completion of work and progress.Lead complex initiatives within a large geographical region to deliver high quality custom credit solutions with broad impact.Provide leadership and guidance to others.Exercise independent judgment and work with no direct supervision.Required Qualifications:5+ years of Wealth Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationDesired Qualifications:5+ years of combined experience in the following: financial analysis, underwriting and structuring of highly complex, high net worth, consumer and commercial relationshipsAbility to take initiative and work independently with minimal supervision in a structured environment.Ability to exercise independent judgment and creative problem solving techniques.Excellent verbal, written, and interpersonal communication skills.Knowledge and understanding of credit: policy, compliance, underwriting, structuring, and documenting credit facilities.Experienced in Estate lending facilities and understanding of trust/estate structuresExperienced in executing derivatives for managing interest-rate risk on lending facilitiesExperienced in Marketable-Secured lending facilitiesExperienced in aircraft lendingExperienced in criticized/classified credits Knowledge and understanding of sales and client management processesBasic Microsoft Office (Outlook, Excel, Word, PowerPoint, Teams, and SharePoint) skillsKnowledge and understanding of FIS Optimist (or Moody's Risk Analyst)Job Location: 550 S Tryon St, Charlotte NC, 2820290 S 7th ST, Minneapolis MN, 55402401 Las Colinas Blvd W Bldg B, Irving TX, 750392801 Market St, F & L Bldg, SAINT LOUIS, MO 631032700 S Price RD, Chandler AZ, 85286Job Expectations: This position is not eligible for Visa sponsorship.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.$119,000.00 - $206,000.00Benefits 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 reimbursementPosting End Date:6 Sep 2026*Job posting may come down early due to volume of applicants.We Value Equal OpportunityWells 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 DisabilitiesTo 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.