Wells Fargo · 1 week ago
Senior Loan Examination Specialist
Charlotte, NC
Full-time
Onsite
Mid, Senior Level
4+ years expWells Fargo is seeking a Senior Loan Examination Specialist to conduct in-depth reviews of complex underwriting scenarios and ensure adherence to risk tolerance and regulatory standards. The role involves analyzing financial documentation, leading loan reviews, and collaborating with specialized business units to mitigate risks for affluent clients.
BankingFinancial ServicesFinTechInsurancePayments
No H1B
Responsibilities
Conduct in-depth reviews of complex underwriting scenarios, including high-risk and high-value credit decisions
Assess and monitor high credit line accounts to ensure adherence to risk tolerance and regulatory standards
Analyze financial and investment documentation (tax returns, asset statements) for accuracy, suitability, and alignment with client profiles and regulatory expectations
Lead loan reviews which include a complete re-underwrite of the loan file to assess the credit decision
Research and validate the most complex and escalated loan files to ensure programs and company polices are followed
Partner with other Loan Examination Specialists to meet decision quality evaluation deliverables while leveraging solid understanding of underwriting, and compliance guidelines
Support and evaluate servicing and resolution processes for high net worth individuals, including clients within Wealth and Investment Management, Private Bank, and Premier Bank segments
Collaborate with specialized business units to ensure tailored compliance and risk mitigation strategies for affluent and ultra-high-net-worth clientele
Collaborate with immediate peers and more experienced management to report findings and recommendations
Act as a mentor for less experienced staff
Qualification
Required
4+ years of Underwriting experience, Loan processing, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Experience in Underwriting, Loan Processing, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Preferred
10+ years of underwriting experience with a background in high line assignments, including a deep understanding of Wealth Management and experience with high value credit portfolios
5+ years of quality assurance experience
Financial Statement Analysis: Ability to interpret complex financial documents, including tax returns, balance sheets, and income statements
Cash Flow Analysis: Understanding of personal and business cash flow to determine repayment capacity
Credit Risk Assessment: Proficiency in evaluating creditworthiness using credit scores, debt-to-income ratios, and other risk indicators
Communication: Excellent verbal, written, and interpersonal communication skills
Portfolio Management: Experience managing large or complex credit portfolios, including exposure limits and diversification
Extensive knowledge of lending policy guidelines and procedures as evidenced by strong credit and compliance quality
Track record of proactive problem solving, taking initiative, and effectiveness in resolving complex escalations timely and decisively to meet customer expectations
Ability to manage multiple priorities, including managing a pipeline and supporting escalations while maintaining excellent quality
Analytical skills focusing on problem solving, process improvement and customer impact in a rapidly changing environment
Ability to organize, re-prioritize, and manage multiple priorities in-order-to meet deadlines
Company
Wells Fargo
Wells Fargo & Company is a financial services firm that provides banking, insurance, investments, and mortgage services.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1978-10-06IPO
Leadership Team
Charlie Scharf
CEO
Fernando Rivas
CEO of Corporate & Investment Banking
Recent News
2026-01-24
2026-01-23
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