Senior Lead Wealth Underwriter - LSG

Wells Fargo•Los Angeles, CA

1d•Onsite

About The Position

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Wealth & Investment Management (WIM) is one of the United States' leading providers of financial and investment services. We offer a full range of personalized wealth management, investment, planning, and retirement products and services to help meet clients' unique needs and to help them pursue their financial goals more confidently. We bring together subject matter expertise, products, and services, so it's easier for clients to do business with us and for advisors to support their clients. Banking, Lending, & Trust (BL&T) unlocks access to Wells Fargo Bank products and services to high-net-worth and ultra-high-net-worth individuals and families based on needs related to banking, custom lending, and trust services. These bank specialists leverage resources, valuable research, relationships, custom solutions, and highly tuned strategies to address clients' unique needs and aspirations. Provides support to WIM in providing services to affluent, high net worth and ultra-high net worth individuals, families, family offices and charities. BL&T further provides legal guidance on a variety of banking and fiduciary topics including investment management, general trust administration, specialty trusts, custody, tax, specialty assets, regulatory, privacy, ecommerce, deposit relationship and strategy, and business strategies. The Senior Lead Wealth Underwriter is responsible for the independent analysis, structuring, and underwriting of highly complex commercial credit relationships for law firm clients. This role supports the Legal Specialty Group (LSG) by partnering closely with Private Bankers and Regional Directors to deliver customized credit solutions that balance risk, regulatory requirements, and an exceptional client experience. The position requires deep technical expertise, strong judgment, and the ability to lead credit discussions with minimal supervision.

Requirements

7+ years of Wealth Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Thorough knowledge of financial accounting theory and logic, loan structuring, commercial products and services is needed for this role.
Strong interpersonal skills and communication skills are essential.
Candidate must have the ability to interact with Senior Management and/or Risk Management on strategic issues/initiatives.
Must have top partnering skills; the ability to interpret and discuss analytical data; and the ability to multitask and prioritize.
Proficient with computers and software applications (MSA, MS Excel, MS Word, other MS Office Suite applications, etc.) and applicable mainframe systems.
Proven history of credit authority.

Nice To Haves

Legal industry experience
Capital markets expertise
Formal commercial credit training desirable
Wealth related underwriting/lending experience a plus
Extensive investment banking or corporate/commercial related experience in commercial underwriting or portfolio management
Bachelor's degree preferred

Responsibilities

Analyze, structure, and underwrite complex commercial credit relationships with significant aggregate exposure in accordance with business unit standards and WIM Credit Policy.
Compile, analyze, and document detailed borrower, financial, credit risk, and collateral information to support credit decisions.
Manage and monitor a complex portfolio of law firm clients, proactively identifying risks, trends, and opportunities.
Conduct industry, market, and client-specific research to support credit recommendations, including management and industry studies as required.
Review and negotiate loan documentation and credit provisions; lead discussions with internal partners and external legal counsel.
Exercise independent credit judgment while ensuring full compliance with regulatory requirements and internal policies.
Communicate credit recommendations clearly and effectively, both verbally and in writing, to senior management and stakeholders.
Regularly service existing credits, communicate findings to management in a timely manner, and recommend appropriate risk mitigation or restructuring solutions.
Identify opportunities to cross‑sell additional products and services in partnership with relationship teams.
Mentor and provide guidance to less experienced underwriters, including reviewing analyses and offering constructive feedback as needed.