Lead Wealth Underwriter

About the role

Wells Fargo is seeking a Lead Wealth Underwriter in Bengaluru, India, to lead and participate in moderately complex Wealth Underwriting initiatives and large-scale planning. Day-to-day, the role involves reviewing and analyzing borrower financial data for moderately complex high-net-worth loans, evaluating CRE collateral, preparing credit memoranda, and providing lending recommendations, while also monitoring assigned loan portfolios, ensuring covenant compliance, and managing loan renewals and servicing requests. The position requires mentoring lower-level staff and collaborating with peers, colleagues, and mid-level managers to resolve issues and support credit risk management decisions.

What you’ll do

• Lead or participate in moderately complex initiatives and deliverables and contribute to large-scale planning related to Wealth Underwriting
• Review, analyze, and evaluate borrower financial data for moderately complex high-net-worth loans to determine credit worthiness and monitor existing portfolio to identify issues that require an in-de
• Independently resolve moderately complex business, operational, or technical issues and lead team to meet deliverables while leveraging solid understanding of Wealth Underwriting functional area polic
• Develop solid understanding of Commercial Real Estate Lending policies, procedures, regulations, and compliance requirements for Wealth Investment Management client as needed
• Collaborate and consult with Wealth Underwriting peers, colleagues, and mid-level managers to resolve issues and achieve goals; serve as a mentor for lower level staff
• Provide input to assist leaders with credit risk management decisions to ensure satisfactory credit portfolio risk examinations

What you’ll bring

• 7+ years of Wealth Underwriting experience, or equivalent demonstrated through work experience, training, military experience, or education
• Experience in Commercial Real Estate Lending Underwriting
• Strong expertise in borrower and collateral underwriting
• Skill in analyzing personal and business financial statements
• Ability to interpret U.S. tax returns
• Knowledge of entity structures and global cash flow and key financial ratio determination
• In-depth knowledge of CRE collateral analysis, including property performance, cash flow assessment, market risk evaluation, and review of third-party reports
• Ability to prepare comprehensive credit memoranda and provide well-supported lending recommendations

Skills