Underwriter High Net Worth Credit Card & Unsecured Lending

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About this role:

Wells Fargo is seeking an Underwriter in Specialty Credit Services as part of Consumer Banking and Lending. Wells Fargo is seeking an exceptional Underwriter to join our growing High Net Worth Credit Card Underwriting team. This role is ideal for a credit professional who thrives in a fast-paced environment, enjoys making sound judgment-based credit decisions, and is passionate about delivering exceptional experience for affluent clients.

As an Underwriter, you will evaluate complex consumer credit requests from high-net-worth customers, utilizing financial analysis, credit expertise, and independent judgment to make informed lending decisions. You will partner closely with bankers and internal stakeholders while balancing customer experience, risk management, and operational excellence.

This is an exciting opportunity to help build and support a growing business area while working with sophisticated clients and complex lending relationships.

Learn more about our career areas and business divisions at www.wellsfargojobs.com

In this role, you will:

• Review, analyze, approve, and underwrite consumer credit requests for affluent and high-net-worth clients within established credit policies and authority limits.
• Evaluate credit applications, credit bureau reports, tax returns, financial statements, and supporting documentation to determine creditworthiness.
• Make lending decisions for unsecured credit card and other consumer credit products using a combination of automated and judgment-based underwriting.
• Communicate credit decisions clearly and professionally to internal and external stakeholders.
• Partner with bankers and relationship teams to gather additional information and ensure sound credit decisions.
• Provide thoughtful decision rationale and recommendations on complex credit situations.
• Maintain complete, accurate, and compliant credit files in accordance with regulatory and company requirements.
• Manage a high-volume underwriting pipeline while maintaining strong attention to detail and service-level expectations.
• Contribute to a collaborative team environment and support ongoing process improvements.
• Deliver premium customer experience aligned with the expectations of affluent and high-net-worth clientele.

Required Qualifications:

• 2+ 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

Desired Qualifications:

• Experience analyzing consumer credit and making independent credit decisions.
• Experience reviewing financial documentation, including credit reports, tax returns, income documentation, and financial statements.
• Strong analytical, problem-solving, and decision-making skills.
• Experience with underwriting high net worth unsecured credit cards or credit transactions
• Experience underwriting high-net-worth or affluent clients.
• Experience underwriting unsecured credit cards, consumer lending, home equity products, or related credit transactions.
• Experience working within delegated lending authority and making judgment-based credit decisions.
• Experience managing a high-volume underwriting pipeline.
• Experience partnering with bankers, financial advisors, or relationship managers.
• Understanding of private banking, wealth management, or affluent customer lending environments.
• Ability to analyze complex financial profiles and articulate clear credit decision rationale.
• Strong attention to detail in a dynamic, rapidly changing environment.

Job Expectations:

• Willingness to work on-site at stated location on the job opening.
• This position offers a hybrid work schedule
• Visa sponsorship is not available; relocation assistance is not provided.

Locations:

1525 W W T Harris Blvd
CHARLOTTE, NC 28262

600 S 4th St
MINNEAPOLIS, MN 55415

2700 S Price Rd
CHANDLER, AZ 85286

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.