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Underwriting Manager - Commercial Banking

  • Operations
  • Full time
  • R-183805

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

About this role:

Wells Fargo is seeking a Commercial Underwriting Manager who will manage a team of approximately 7 direct reports that provide full portfolio management of Commercial Banking credits for Emerging Markets, Regional Coverage, Commercial Real Estate and Investor Real Estate transactions for the East and Central Regions. 

This key role advises on the commercial credit structure and decisions commercial credits with concurrent authorities and ideal candidate would have experience underwriting and approving credits within this segment. This position is located in Charlotte, NC and requires in office but offers a flexible schedule. 

In this role, you will:

  • Manage and develop a team who perform credit research activities
  • Review lending decisions for adherence to established guidelines
  • Review and recommend credit decisions exceeding assigned staff lending limits
  • Ensure all loan packages are accurately analyzed and properly documented
  • Identify opportunities for development and improvement in the team functions
  • Implement and monitor tracking and performance mechanisms
  • Ensure all procedures are in compliance with government regulations and Bank policies
  • Make decisions and resolve issues related to business operations under direction of the Underwriting management
  • Interpret and develop processes for workflow within the team
  • Collaborate with team, other departments to resolve credit issues
  • Interact directly with customers
  • Manage allocation of people and financial resources for Underwriting
  • Mentor and guide talent development of direct reports and assist in hiring talent


Required Qualifications, US:

  • 4+ years of underwriting, loan processing, originations, or closing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
  • 2+ years of Leadership experience

  Desired Qualifications:

  • 4+ years of commercial underwriting experience
  • 4+ credit risk management experience within the middle market / commercial banking space
  • 2+ years of proven people management with direct reports
  • BS/BA degree or higher in accounting, finance, or economics
  • Experience with BLAST, or CreditBridge Workflow systems.
  • Ability to make timely, independent decisions while working in a fast-paced and results-driven environment.
  • Strong analytical skills with high attention to detail and accuracy.
  • Experience working with early talent and ongoing training and development of teams
  • The ability to identify and develop future leaders
  • Previous experience decisioning / approving commercial credit
  • Knowledge and understanding of middle market or commercial business operations
  • Knowledge and understanding of commercial and commercial real estate credit underwriting: loan structuring and closing complex transactions across broad spectrum of product and loan types
  • Knowledge and understanding of credit or portfolio management; delinquency, loss, and risk ratings
  • Ability to gather, organize, and interpret data requirements, budget and team management
  • Excellent verbal, written, and interpersonal communication skills
  • Ability to interact with all levels of an organization
  • Ability to work in a fast paced deadline driven environment
  • Experience quickly accessing processes and identifying efficiencies
  • Knowledge and understanding of project and process management with ability to manage and implement all levels of projects to include business partners and leaders

We Value Diversity

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.


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