Associate, Mortgage Finance Structurer

Wells Fargo Bank•New York, NY

2d•Onsite

About The Position

Wells Fargo is seeking a Mortgage Structuring & Analytics Associate to join its 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 supports front-office analytics, including transaction structuring, collateral credit underwriting, client asset-disposition advice, mortgage asset valuation, market monitoring, portfolio risk management, and performance reporting to management. Reporting to an Executive Director and working on a team of four professionals, the Associate will work directly on live transactions from day one. The position supports structuring and underwriting residential mortgage-backed securities transactions and related financing and advisory activities. It also oversees mortgage warehouse financing lines and monitors market conditions, collateral performance, and risk. The role is based on-site in accordance with current office requirements, currently five days per week, at one of the listed Charlotte or New York posting locations. Travel and additional hours may be required.

Requirements

At least 2 years of investment banking experience, or equivalent demonstrated through work experience, training, military experience, or education.
Bachelor of Science or Bachelor of Arts degree or higher in a quantitative field such as mathematics, physics, or engineering, or equivalent experience.
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 and/or maintain appropriate FINRA license(s) for ongoing employment. FINRA Series 79 and 63 examinations, or equivalent, must be completed within 90 or 180 days after employment begins, depending on the number of licenses needed, if not immediately transferable upon hire.
Meet applicable state law registration and licensing requirements; specific product licenses or SAFE licensing may apply.
Meet enhanced financial fitness and criminal background standards and successfully pass a background check before hire.
Meet ongoing regulatory obligations, including periodic screening and mandatory reporting of certain incidents; applicable policies may require disclosure of outside activities or personal investing.

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.
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 execute in a fast-paced, high-demand environment while managing multiple priorities.
Ability to work effectively in a team environment and across organizational levels, with flexibility, collaboration, and adaptability.

Responsibilities

Support structuring and underwriting of Residential Mortgage-Backed Securities (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.
Use structuring and market knowledge to develop 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.
Comply with applicable risk and compliance programs, Wells Fargo policies and procedures, and ongoing regulatory obligations.