Senior Credit / Lending Officer

About this role:

Wells Fargo is seeking a motivated client centric, sales and originations professional to partner with commercial and underwriting organizations to support new lending opportunity development, internal transaction review and decisioning and growth advancement in a large. fast paced, structured deal environment.

Learn more about the career areas and lines of business at wellsfargojobs.com.

In this role, you will:

• Support origination efforts by screening new opportunities, coordinating internal diligence, and helping advance transactions through the pipeline
• Analyze client business models, strategic objectives, operational priorities, and financial performance to support deal structuring and credit positioning
• Lead execution of moderately complex transactions in partnership with senior originators and coverage teams, including:
  – Preparing and revising PAC memos and internal approval materials
  – Developing and updating client proposal letters
  – Coordinating internal approval processes across credit, capital, and risk
  – Incorporating client feedback and market dynamics into structure and pricing
• Partner closely with coverage, underwriting, credit risk, legal, and product teams to resolve issues, refine structure, and meet transaction timelines
• Independently resolve structuring, documentation, and process-related issues while ensuring alignment with credit policies, procedures, and compliance requirements
• Provide feedback on market dynamics, competitive positioning, and client needs to support product development and improve credit solution delivery
• Contribute to broader business initiatives, including pipeline management, internal reporting, and development of materials for senior management discussions
• Evaluate and align deal structure across approval materials and client-facing documents, identifying inconsistencies and ensuring alignment with credit requirements and final documentation
• Perform pricing and return analysis (ROE, spreads, fees), assess the impact of structural changes, and recommend adjustments to improve competitiveness while maintaining appropriate risk-adjusted returns
• Manage multiple live transactions concurrently, prioritizing deliverables and ensuring timely progression from screening through approval and proposal issuance
• Support development of presentation materials, internal summaries, and comparison analyses used for decision-making and approval discussions

Required Qualifications:

• 4+ years of secured or specialized lending sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Experience in commercial underwriting, portfolio management, or structured credit analysis
• Bachelor's degree in accounting, business, economics, finance or related field
• Completed a formal credit training program and/or demonstrated strong familiarity with credit structuring and documentation
• Strong financial analysis and modeling experience
• Advanced experience in MS Office suite of products (Excel & PowerPoint)
• Experience in a client-facing or deal execution role with a focus on problem solving and transaction support
• Ability to manage multiple stakeholders and competing priorities in a fast-paced, execution-oriented environment
   

Job Expectations:

• This position is not eligible for Visa sponsorship 

• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process 

• May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards 

#CommercialBank

Pay Range
 

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

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.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.