Underwriting Senior Manager, Affluent Specialty Lending

About this role:

Wells Fargo is seeking an Underwriting Senior Manager to lead a specialized underwriting team supporting the origination and portfolio management of high credit limit credit card products for affluent clients within Cards, Merchant Services & Personal Loans as part of Consumer Lending. This leader will play a key role in shaping the underwriting strategy for the affluent segment, partnering closely with Wealth Management and Private Bank to deliver tailored credit solutions. In this critical role, the leader will oversee judgmental decisioning, ensure high-quality credit recommendations, and foster a culture of excellence, accountability, and customer-centric service across underwriting operations.  Learn more about the career areas and business divisions at wellsfargojobs.com. 

In this role, you will:

• Lead and develop a team of underwriters responsible for reviewing and approving credit decisions for high-net-worth customers

• Evaluate complex financial structures including trusts, investment portfolios, and other assets to assess risk and determine appropriate credit lines

• Ensure exceptional customer service delivery to affluent clients, balancing credit quality with customer experience

• Collaborate with internal partners such as Wealth Advisors and Private Bankers to proactively address client needs

• Interpret and develop processes for complex workflow within the team

• Approve credit card applications and line increase requests in excess of department level authorities

• Foster a culture of performance, accountability, and continuous talent development

• Monitor and report on team performance, ensuring alignment with business goals and compliance with credit policies

• Maintain deep expertise in credit policy across all Specialty Credit Card products

• Collaborate with and influence functional business partners, leaders, and executive management to provide support and drive strategic initiatives for the business

• Identify and recommend opportunities for process improvement and risk control development

• Oversee implementation of practices to ensure compliance with Wells Fargo legal, investor, regulatory, or business policies

Required Qualifications:

• 6+ years of Underwriting experience or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• 3+ years of management or leadership experience

Desired Qualifications:

• 6+ years of experience underwriting high credit lines or high-dollar lending, preferably within the affluent or commercial lending space

• 3 + years of experience managing underwriting teams in the affluent or specialty segments

• Expert ability to interpret complex financial documents including tax returns, balance sheets, income statements

• Significant experience with personal business cashflow analysis

• Proven success in supporting the needs of sophisticated banking relationships and delivering strong customer experience and credit quality outcomes

• Exceptional relationship management skills, with track record of building trust, influencing outcomes, and collaborating across high-value client environments

• Deep knowledge of underwriting policies, procedures, and regulatory requirements

• Experience supporting or partnering with Financial Advisors, Wealth Management, or Private Banking teams to meet the needs of sophisticated banking relationships

• Executive presence with a track record of influencing senior leaders and cross-functional stakeholders to drive strategic outcomes

• Experience identifying and recommending opportunities for development and improvement in the team functions

• Experience applying change management methodologies to support business initiatives and operational transitions

• Experience working in a dynamic, fast-paced environment and navigating ambiguity

• Strong organizational skills with the ability to manage multiple priorities

Job Expectations:

• Ability to travel up to 25% of the time

• This position offers a hybrid work schedule 

• This position is not eligible for Visa sponsorship

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

Locations:

• 1525 W W T Harris Blvd, Charlotte, NC 28262 

• 2800 S Price Rd, Chandler, AZ 85286  

• 300 Highway 169 S, Minneapolis, MN 55426

Required locations listed above.