Senior Secured Lending Underwriter

About this role:
Wells Fargo is seeking a Senior Secured Lending Underwriter to join and support our Inventory Finance team. In this role, the individual will be responsible for underwriting and managing floor plan financing transactions, conducting detailed credit analysis, assessing collateral quality, and evaluating overall borrower risk. The underwriter will work closely with relationship managers, credit partners, and clients to structure sound lending solutions while ensuring adherence to the bank's risk management and regulatory standards.
In this role, you will:

• Participate in underwriting and loan closing of transactions
• Identify opportunities for process improvements within scope of responsibilities for Secured Lending Underwriting functional area
• Review and analyze basic business challenges within Secured Lending Underwriting functional area that require research, evaluation, and selection of alternatives
• Exercise independent judgement to guide medium risk deliverables
• Present recommendations for resolving more complex situations and exercise independent judgement while developing expertise in Secured Lending Underwriting functional area, policies, procedures, and compliance requirements
• Collaborate and consult with Secured Lending Underwriting colleagues, internal partners, and stakeholders, including internal and external customers

Required Qualifications:

• 4+ years of secured lending underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Commercial credit underwriting experience with a focus on secured lending, asset-based lending, inventory finance, floor plan financing, or specialty finance products.
• Strong understanding of commercial credit analysis, including financial statement analysis, cash flow assessment, collateral evaluation, and risk identification.
• Experience underwriting and structuring complex lending transactions for middle market, commercial, or corporate clients.
• Knowledge of inventory-based lending structures, collateral monitoring practices, borrowing base concepts, and Uniform Commercial Code (UCC) requirements.
• Proven ability to assess industry, market, and borrower risk; develop credit recommendations; and present findings to credit approval authorities.
• Excellent relationship management, communication, and presentation skills with the ability to effectively collaborate across business development, risk, legal, and operations teams.
• Proficiency in analyzing financial trends, identifying emerging risks, and making sound credit decisions in a fast-paced environment.
• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Experience with wholesale distribution, automotive, agriculture, construction equipment, powersports, recreational vehicle, or other dealer finance portfolios preferred.

Job Expectations:

• This position is not eligible for Visa sponsorship
• This position offers a hybrid work schedule
• Willingness to work on-site at stated location on the job opening.
• 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

Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
Salary is just one component of Wells Fargo's total rewards package. Depending on the role, a Wells Fargo's employee may be eligible for additional forms of compensation, such as sales incentives, discretionary bonuses, and/or equity in the company in the form of Restricted Stock Units (RSUs).
$100,000.00 - $196,000.00
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:
30 Jul 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.
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