Wealth Custom Lending Specialist

About this role

At Wells Fargo, we are looking for talented people who put our clients at the center of everything they do.

Wealth & Investment Management (WIM) is one of the nation's leading providers of wealth management, banking, investment, and fiduciary services. Within WIM, Banking, Lending & Trust (BL&T) delivers specialized banking, custom lending, and trust solutions to high-net-worth and ultra-high-net-worth individuals, families, family offices, and business owners.

As a Wealth Custom Lending Specialist, you will partner with advisors, private bankers, relationship managers, underwriting partners, and risk teams to deliver customized credit strategies designed to meet the complex financial needs of affluent clients. You will support both business development and portfolio management activities while gaining exposure to sophisticated lending transactions and wealth management relationships.

This role offers a unique opportunity to build expertise in custom lending while helping clients achieve their financial goals through tailored credit solutions.

In this role, you will:

• Support the delivery of customized lending solutions for highly affluent, high-net-worth, and ultra-high-net-worth clients across the Wells Fargo platform.
• Partner with senior lending specialists, Wealth Advisors, and Relationship Managers to identify and evaluate credit opportunities.
• Assist in structuring lending solutions and preparing recommendations that align with client objectives and risk standards.
• Participate in client discussions regarding credit needs, lending strategies, and financing alternatives.
• Collaborate with underwriting and Independent Risk Management partners throughout the credit approval process.
• Assist with new custom credit originations and ongoing portfolio management responsibilities, including financial reviews, renewals, covenant tracking, and risk monitoring.
• Analyze financial statements, liquidity profiles, cash flow, and collateral to support credit decisions.
• Develop expertise in wealth lending solutions, including securities-based lending, custom credit, real estate financing, and liquidity strategies.
• Build strong partnerships across Banking, Lending & Trust, Wealth & Investment Management, Risk, and Operations teams.
• Make recommendations regarding matters requiring knowledge of Wealth Custom Lending policies, procedures, and regulatory requirements.
• Help strengthen client relationships by delivering a proactive, consultative, and solutions-oriented experience.
• Stay current on industry trends, lending products, and market developments impacting affluent and wealth clients.

Required Qualifications

• 2+ years of Custom Lending experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications

• Private Banking, Corporate Banking, Commercial Banking, or Wealth Management Lending experience.
• Experience working with highly affluent, high-net-worth (HNW), or ultra-high-net-worth (UHNW) clients and families.
• Strong credit analysis and credit risk management experience.
• Experience structuring complex lending solutions and negotiating credit terms.
• Excellent relationship management and consultative sales skills.
• Knowledge of traditional banking products, custom lending solutions, and wealth management services.
• FINRA Series 7 and 66 registrations (or FINRA-recognized equivalents) preferred.

Job Expectations:

• This position is not eligible for Visa sponsorship.
• Candidate must reside within a reasonable commute to a site location listed.
• Relocation assistance is not available for this position.
• This position offers a hybrid work schedule.

• US Only: Obtaining and/or maintaining appropriate FINRA license(s) is required for ongoing employment in this position. FINRA Series 7 and 66 examinations or equivalent must be completed within either a 90 or 180-day time period, depending upon number of license(s) needed if not immediately available to transfer upon hire. FINRA recognized equivalents will be accepted. This will be communicated at time of offer acceptance. Compliance with state law registration and licensing requirements is mandatory. In addition to state registration and licensing requirements, specific product licenses or SAFE licensing may apply. Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA licensing review process at the time of offer acceptance. For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite is required.
• US Only: Designated insurance license requirements must be completed within a 90 or 180-day time period contingent upon number of license(s) needed if not immediately available to transfer upon hire. Compliance with state law requirements is required.
• This position is subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification. Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents.

Job Locations:

• 433 N Camden Dr., BEVERLY HILLS, CA
• 5 Park Plz., IRVINE, CA
• 350 W Colorado Blvd., PASADENA, CA
• 1512 Eureka Rd., ROSEVILLE, CA
• 2001 N Main St., WALNUT CREEK, CA
• 17 Cowboys Way Ste 500, FRISCO, TX
• 825 Town and Country Ln Ste 300, HOUSTON, TX
• 8601 N Scottsdale Rd., SCOTTSDALE, AZ

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.

$77,000.00 - $145,000.00

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.