Alternative Investments Financing Lead Wealth Underwriter

Wells Fargo•St. Louis, MO

3d•$119,000 - $224,000•Hybrid

About The Position

Wells Fargo is hiring a Lead Wealth Underwriter for the Alternative Investments Financing team within Banking, Lending, & Trust's center of excellence in Wealth & Investment Management. The role provides custom credit solutions to private capital and hedge fund managers, family offices, and ultra-high-net-worth individuals with significant private capital and hedge fund investment portfolios. The underwriter leads the analysis, structuring, negotiation, and execution of complex credit transactions secured by alternative assets. The role also manages credit relationships and portfolio risk, partners with client-facing teams and internal stakeholders, and provides leadership and technical guidance to colleagues. This position offers a hybrid work schedule and is based at one of the listed Wells Fargo locations. It is not eligible for visa sponsorship and is subject to FINRA background screening and ongoing regulatory obligations.

Requirements

At least 5 years of Wealth Underwriting experience, or equivalent demonstrated through work experience, training, military experience, education.
Successfully complete and pass a background check prior to hire; the position is subject to FINRA background screening requirements.
Meet ongoing regulatory obligations, including periodic screening and mandatory reporting of certain incidents.
Provide information to the Wells Fargo Personal Account Dealing Team and comply with applicable policies regarding outside activities or personal investing if required.

Nice To Haves

Experience in wealth management, private banking, commercial banking, corporate banking, specialty finance, or structured lending, with a strong foundation in complex credit underwriting and portfolio management.
Strong knowledge of alternative investments and related collateral, including private equity, private credit, hedge funds, limited partnership interests, carried interests, and other illiquid or esoteric assets.
Comprehensive understanding of financial statement analysis, accounting principles, credit risk assessment, cash flow analysis, loan structuring, and banking products and services.
Advanced credit skills, including analyzing, structuring, negotiating, and documenting complex lending transactions and customized financing solutions.
Ability to exercise sound judgment and make independent business and credit decisions in complex and ambiguous situations.
Experience negotiating and documenting sophisticated credit facilities and legal agreements, including collaboration with internal counsel and external legal advisors.
Strong understanding of fund structures, partnership agreements, investor considerations, collateral perfection, and lending against alternative investment assets.
Exceptional written, verbal, and interpersonal communication skills, including the ability to influence stakeholders, build credibility, and develop trusted relationships with clients and internal partners.
Ability to manage multiple complex transactions simultaneously while maintaining high standards of execution, responsiveness, and risk management.

Responsibilities

Maintain subject matter expertise in alternative investments, including private equity, private credit, hedge funds, fund structures, and investment vehicles.
Lead underwriting, financial analysis, and structuring for complex custom credit transactions secured by alternative assets; evaluate borrower financial statements, tax returns, fund structures, and collateral arrangements.
Analyze borrower, guarantor, and collateral profiles and deliver timely, sound credit recommendations while maintaining risk discipline.
Structure and negotiate customized lending solutions for clients’ liquidity and financing needs, communicating recommendations verbally and in writing.
Drive end-to-end execution of complex credit transactions for new and existing relationships while supporting portfolio quality, revenue growth, and profitability objectives.
Monitor and manage a portfolio of credit relationships, identify emerging risks and opportunities, and communicate findings and recommendations to management.
Partner with bankers and other client-facing professionals in an advisory capacity, including participation in client meetings, credit discussions, and financing negotiations.
Collaborate with Credit, Independent Risk Management, Legal, Operations, and other stakeholders to support efficient execution and a strong client experience.
Lead complex transactions and strategic initiatives across a national platform, promoting consistency, innovation, and best practices in custom credit delivery.
Provide leadership, mentorship, and technical guidance to team members and foster professional development and underwriting excellence.
Exercise sound judgment and independent decision-making in a fast-paced, collaborative environment.
Follow applicable risk programs, Wells Fargo policies and procedures, and regulatory and compliance obligations; proactively monitor, identify, escalate, and remediate issues as required.