Associate, Mortgage Finance Structurer

Wells Fargo•Charlotte, NC

3d•$139,000 - $217,000•Onsite

About The Position

Wells Fargo is seeking a Mortgage Structuring & Analytics Associate to join the Mortgage Finance Group (MFG), which provides financing and capital markets solutions to entities that own, originate, or service residential real estate loans and related assets. The Structuring & Analytics team handles front-office analytical work, including transaction structuring, collateral credit underwriting, asset disposition advice, mortgage asset valuation, market monitoring, portfolio risk management, and management performance reporting. The Associate reports to an Executive Director, works on a team of four professionals, and contributes directly to live transactions from day one. The position supports residential mortgage-backed securities (RMBS) transactions across multiple asset classes and works with internal and external partners to execute transactions and provide financing, valuation, and advisory solutions. The role also oversees mortgage warehouse financing lines and monitors market conditions and collateral performance. The role is based at 550 S. Tryon St., Charlotte, North Carolina. It requires on-site work in accordance with current office requirements, currently five days in the office, and travel as needed. Additional hours may be required. Appropriate FINRA licenses must be obtained or maintained for ongoing employment, with applicable exams generally required within 90 or 180 days after employment begins when they cannot be transferred. The position is subject to FINRA background screening and other regulatory and compliance requirements.

Requirements

At least 2 years of investment banking experience, or equivalent experience demonstrated through work experience, training, military experience, or education.
Strong understanding of capital markets and mortgage banking.
Excellent verbal, written, and interpersonal communication skills.
Strong analytical skills, with high attention to detail and accuracy.
Ability to work in a fast-paced, high-demand environment while managing multiple priorities.
Ability to work effectively in a team and across organizational levels, with flexibility, collaboration, and adaptability.
Ability to travel as needed.
Willingness to work on-site in accordance with current office requirements, currently five days in the office.
Ability to work additional hours as needed.
Obtain or maintain appropriate FINRA license(s); required examinations and applicable registration and licensing requirements must be met.
Successfully pass a background check and meet applicable regulatory and ongoing screening requirements.

Nice To Haves

At least 3 years of structured finance experience, including direct transaction structuring experience.
Direct experience with collateral tools and structuring software, including CAS, Intex, Bloomberg, Polypaths, and Yieldbook.
Proficiency with coding languages, databases, and visualization tools, including Python, SQL, and Power BI.
BS/BA degree or higher in a quantitative field such as mathematics, physics, or engineering, or equivalent experience.

Responsibilities

Support the structuring and underwriting of RMBS transactions across Prime Jumbo, Non-QM, CRT, RTL, SFR, second liens, and other emerging residential asset classes.
Coordinate with clients, relationship managers, traders, syndicate, rating agencies, lawyers, and accountants to support transaction execution.
Apply structuring and market knowledge to provide solutions and valuations for mortgage-related assets, including financing arrangements and client advisory activities.
Oversee mortgage warehouse financing lines, including borrowing-base maintenance, mark-to-market, risk monitoring, and reporting.
Monitor market conditions and collateral performance, report key metrics, and lead discussions with internal partners.
Collaborate with origination and capital markets, portfolio management, mortgage trading, syndicate, sales, and credit risk teams.
Follow applicable risk programs, Wells Fargo policies and procedures, and regulatory and compliance obligations.
Obtain and/or maintain appropriate FINRA license(s) for ongoing employment.