Associate, Mortgage Finance Structurer

Corporate & Investment Bank (CIB) delivers a comprehensive suite of banking, capital markets and advisory solutions, including a full complement of sales, trading and research capabilities, to corporate, government and institutional clients. We focus on our clients' overall financial needs, with consideration and respect for their total relationship with Wells Fargo.
Markets provides solutions to clients with the means to manage their exposure through various derivatives, lending and cash products across Structured Products Group, Rates, Equities, Foreign Exchange, Municipal Products Group, Credit Sales & Trading.
About this role:
Wells Fargo is seeking a Mortgage Structuring & Analytics Associate to join the Mortgage Finance Group (MFG). MFG provides financing and capital markets solutions to entities that own, originate, or service residential real estate loans and related assets. The Structuring & Analytics team within MFG is responsible for the front-office analytical aspects of the business, including structuring transactions, underwriting collateral credit, advising clients on asset disposition strategies, valuing mortgage assets, tracking market conditions, managing portfolio risk, and presenting performance metrics to management. The Associate will report to an Executive Director on a team of four professionals and will work directly on live transactions from day one.
In this role, you will:

• Support the structuring and underwriting of Residential Mortgage-Backed Securities (RMBS) transactions across a variety of asset classes, including Prime Jumbo, Non-QM, CRT, RTL, SFR, second liens, and other emerging residential asset classes
• Coordinate with clients, relationship managers, traders, syndicate, rating agencies, lawyers, and accountants to support a smooth execution process
• Utilize structuring and market knowledge to provide solutions and valuations for mortgage-related assets, including financing arrangements and client advisory activities
• Oversee mortgage warehouse financing lines, including borrowing-base maintenance, mark-to-market, risk monitoring, and reporting
• Monitor market conditions and collateral performance, report key metrics, and lead discussions with internal partners
• Collaborate with origination and capital markets, portfolio management, mortgage trading, syndicate, sales, and credit risk teams

Required Qualifications:

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

Desired Qualifications:

• 3+ years of structured finance experience, including direct experience structuring transactions
• Direct experience with collateral tools and structuring software, including CAS, Intex, Bloomberg, Polypaths, and Yieldbook
• Proficiency with coding languages, databases, and visualization tools, including Python, SQL, and Power BI
• Strong understanding of capital markets and mortgage banking
• Excellent verbal, written, and interpersonal communication skills
• Strong analytical skills with high attention to detail and accuracy
• Ability to execute in a fast-paced, high-demand environment while managing multiple priorities
• Ability to work effectively in a team environment and across organizational levels, with an emphasis on flexibility, collaboration, and adaptability
• BS/BA degree or higher in a quantitative field such as mathematics, physics, or engineering or equivalent experience

Job Expectations:

• Ability to travel as needed
• Willingness to work on-site in accordance with current office requirements (currently 5 days in office)
• Ability to work additional hours as needed
• Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. FINRA Series 79 and 63 examinations, or equivalent must be completed within either a 90 or 180-day time period following commencement of employment, depending upon the 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.
• This position is subject to FINRA background screening requirements. Candidates must successfully complete and pass a background check prior to hire. In accordance with FINRA rules, individuals who are subject to statutory disqualification are not eligible to be associated with a FINRA-registered broker-dealer. Successful candidates must also meet and comply with ongoing regulatory obligations, which include periodic screening and mandatory reporting of certain incidents.
• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.

Posting Location:

• 550 S. Tryon St. - Charlotte, North Carolina 28202

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.
$139,000.00 - $217,000.00
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:
31 Oct 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.