Lead Underwriter Specialty Lending (Affluent Clients)

Why Wells Fargo:

Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place. Living the Well Life means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it – Wells Fargo once again ranked in the top five on the 2026 LinkedIn Top Companies list of best workplaces “to grow your career” in the U.S. Join us!

About this role:

Wells Fargo is seeking a Lead Underwriter within the Cards and Personal Loans (CSPL) group, part of the Consumer Lending division. This role will support credit decisioning for high-net-worth and affluent customer credit card requests, including complex credit applications and credit line increases.

The Lead Underwriter will be responsible for evaluating the overall creditworthiness, financial capacity, and repayment ability of affluent clients by reviewing credit bureau information, financial statements, tax returns, trust documentation, investment portfolios, cash flow, liquidity, and other supporting documentation. This role requires strong credit judgment, sound risk assessment, and the ability to balance credit quality with a high-touch customer experience.

In this position, the Lead Underwriter will partner closely with internal stakeholders, including Wealth Advisors, Private Bankers, Risk, Compliance, Operations, and other lending partners, to deliver thoughtful credit recommendations and timely decisions. The role is ideal for an experienced underwriter who can navigate complex financial profiles, communicate clearly with business partners, and support lending solutions for clients with sophisticated financial needs.

This position will also contribute to process improvement, escalation resolution, and policy adherence while helping ensure exceptional experience for affluent customers and internal partners.

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

In this role, you will:

• Review, analyze, and evaluate complex credit applications and credit line increases high-net-worth customers
•  Analyze credit applications and credit line increases, credit bureau information, collateral valuation and cash flow tax returns, financial statements, trusts, investment portfolios and or other supporting documentation to recommend or approve appropriate credit line requests
• Expert communication skills ensuring best in class customer experience and proactively address customer needs to customize lending solutions
• Collaborate with internal partners such as Wealth Advisors and Private Bankers to proactively address client needs                                                             
• Ensure exceptional customer service delivery to affluent customers balancing credit quality with customer experience                                                                    
• Lead complex initiatives with broad impact and act as key participant in the development of projects for Specialty                                                                         
• Ensure conformity with bank policies and procedures                                                                
• Evaluate complex processes or tasks that may require research into the cause and effect of challenges to projects or procedures related affluent credit card originations                                                                         

Required Qualifications:

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

Desired Qualifications:

• 5+ years of Underwriting for affluent customers with background in high line assignments=Deep understanding of Wealth Management and experience with high value credit portfolios
• Financial Statement Analysis: Ability to interpret complex financial documents, including tax returns, balance sheets, and income statements.
• Ability to deliver a high-touch customer