Wealth Specialty Finance Underwriter | Charlotte, NC, USA

Position Overview

At Wells Fargo, we are looking for talented people who put our customers at the center of everything we do. Join the Wealth & Investment Management (WIM) and Banking, Lending, & Trust (BL&T) teams, where you will deliver personalized wealth management, investment planning, and retirement solutions to a diverse clientele including high net worth and ultra-high net worth individuals, families, and institutions. As a Lead Wealth Underwriter in the Specialty Finance Group (SFG), you will structure, underwrite, and manage highly complex commercial-type credits involving concentrated/restricted stock lending, aircraft financing, unsecured lending and other unique collateral types.

Salary: $119,000.00 - $187,000.00

Key Responsibilities

• Spearhead financial analysis and due diligence around ultra-high net worth sponsors; distill complex credit situations into key risks and mitigants and prepare clear underwriting memos for senior leaders and credit decision makers.
• Develop subject matter expertise across SFG lending themes—including concentrated/illiquid stock, aircraft financing, and unsecured lending—to ensure thorough analysis of sponsor and collateral considerations.
• Lead loan structuring and negotiate legal documentation of loan transactions with external counsel.
• Ensure compliance with company policies and regulatory requirements.
• Manage a loan portfolio to ensure performance, accurate financial reporting, covenant compliance, and timely escalation of issues.
• Maintain and nurture relationships with internal business partners, including Custom Credit Bankers and Relationship Managers, as well as with clients and their family office personnel.
• Lead complex, cross-functional initiatives and contribute to large-scale planning efforts within the Wealth Underwriting team.
• Review and analyze multifaceted high-net-worth loan structures and provide clear recommendations for resolution.
• Make informed decisions on complex credit risk management issues in alignment with established policies and regulatory requirements.
• Collaborate strategically with peers and senior managers, serving as a mentor within the team.
• Partner with Custom Credit Bankers and Financial Advisors to provide guidance on due diligence, credit assessments, and loan document negotiations.

Required Qualifications

• Experience Required: 5+ years of Wealth Underwriting experience or equivalent experience through work, training, military service, or education.

Preferred Qualifications

• Thorough knowledge of financial accounting theory, financial statement analysis, loan structuring, and commercial banking products and services.
• Strong credit skills with the ability to structure, negotiate, and document a broad range of loan types and complex credit requests.
• Excellent interpersonal, communication, writing, and collaboration skills.
• Ability to make sound, independent business and credit decisions.
• A background in wealth or commercial lending/underwriting with familiarity of esoteric collateral asset classes including illiquid/concentrated stock, aircraft, unsecured loans, life insurance, alternative assets, or art is preferred.
• Experience in capital markets, commercial/investment banking, or commercial real estate lending is a plus.

Benefits & Perks

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave and critical caregiving leave
• Discounts, savings programs, and commuter benefits
• Tuition reimbursement, scholarships for dependent children, and adoption reimbursement