Senior Secured Lending Underwriter

About this role:

Wells Fargo’s Supply Chain Finance Group (“SCF”) supports companies with a broad range of supply chain solutions, including trade and receivables products, which provide a holistic approach to an enterprise’s working capital risk mitigation and financing needs. SCF is seeking a dynamic and analytical Senior Secured Lending Underwriter to support the underwriting, approval, and execution of secured lending transactions.

The role will support a variety of secured lending financings, including Key Accounts Purchase Programs (KAP), Supplier Finance Programs (SF), factoring and asset-based lending facilities, and Accounts Receivable Securitization Facilities (ARS). Learn more about the career areas and lines of business at wellsfargojobs.com.

In this role, you will:

• Support the underwriting and closing of secured lending transactions.
• Perform financial, collateral, industry, and transaction analysis to evaluate credit risk and identify key risk factors.
• Prepare concise and well-supported credit approval materials for review by credit approvers and senior stakeholders.
• Support the credit underwriting of corporate financial counterparties.
• Analyze transaction structures, collateral performance, repayment sources, and other factors influencing credit quality.

• Partner closely with Originations and the underwriting team to seamlessly transition executed mandates into the formal underwriting and credit approval process

  Assist in the identification and assessment of credit, operational, legal, documentation, and structural risks.
• Exercise independent judgment while performing moderately complex underwriting assignments and escalating more complex issues as appropriate.
• Support due diligence activities, including collateral examinations, appraisals, business diligence, contract reviews, and other transaction-specific requirements.
• Assist with risk ratings, policy compliance reviews, approval conditions, and ongoing monitoring requirements.
• Work with legal counsel, originators, portfolio managers, and other stakeholders to support transaction execution and closing activities.
• For applicable transactions, assist in the preparation and review of ARS-related analyses and reporting requirements.
• Collaborate effectively with underwriting teammates and business partners to resolve issues and achieve transaction objectives.
• Identify opportunities to improve underwriting processes, templates, and workflow efficiencies.
• Continue developing expertise in secured lending underwriting, policies, procedures, and compliance requirements.

Required Qualifications:

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

Desired Qualifications:

• Experience with asset-based lending, receivables finance, factoring, securitization, supply chain finance, or related commercial lending products.
• Strong analytical and financial statement analysis skills.
• Ability to prepare clear and effective written credit analysis.
• Strong attention to detail and commitment to data integrity and policy compliance.
• Working knowledge of secured lending concepts, collateral analysis, legal documentation, and credit risk management.
• Strong verbal and written communication skills.
• Advanced Microsoft Office (Excel, Word, PowerPoint) skills.

Job Expectations:

• Willingness to work on-site at stated location on the job opening.
• This position is not eligible for Visa sponsorship.
• This position offers a hybrid work schedule.
• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to comply with applicable policy requirements.
• May be considered for a discretionary bonus, Restricted Share Rights, or other long-term incentive awards

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

Salary is just one component of Wells Fargo's total rewards package. Depending on the role, a Wells Fargo's employee may be eligible for additional forms of compensation, such as sales incentives, discretionary bonuses, and/or equity in the company in the form of Restricted Stock Units (RSUs).

$100,000.00 - $196,000.00

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:

27 Sep 2026

* 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.