Associate, Mortgage Finance Structurer

Wells Fargo Bank•Charlotte, NC

2d•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, client advice on asset disposition strategies, mortgage asset valuation, market monitoring, portfolio risk management, and performance reporting to management. The Associate will report to an Executive Director on a team of four professionals and work directly on live transactions from day one. The position is based at 550 S. Tryon St., Charlotte, North Carolina, and is currently expected to be on-site five days per week. Travel and additional hours may be required. Ongoing employment requires appropriate FINRA licenses and compliance with applicable state registration and licensing requirements.

Requirements

At least 2 years of investment banking experience, or equivalent demonstrated through work experience, training, military experience, or education.
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 accepted equivalents, must be completed within 90 or 180 days after employment begins, depending on the licenses needed, unless immediately transferable.
Comply with state law registration and licensing requirements; product-specific or SAFE licensing may also apply.
Meet enhanced financial fitness and criminal background standards and pass the required background check before hire.
Meet ongoing regulatory obligations, including periodic screening and mandatory reporting of certain incidents; comply with applicable policies on outside activities and 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 and across organizational levels, with flexibility, collaboration, and adaptability.
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 Residential Mortgage-Backed Securities (RMBS) transactions across asset classes including 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 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.
Execute applicable risk programs and follow Wells Fargo policies and procedures, including identifying, escalating, and remediating issues.