Private/Business Loan Underwriter 2 - SBA Lending

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Commercial Banking provides financial solutions to businesses with annual sales generally in excess of $5 million. Our business lines are Wells Fargo Commercial Capital, Middle Market Banking, and Treasury Management & Payment Solutions.

Middle Market Banking
o Services private and public companies with annual sales of $5 million to $2 billion
o Specialized expertise across industry sectors

SBA (Small Business Administration) Lending is part of the Specialized Industries Group within Commercial Banking. As a whole, SBA is responsible for the production, management and servicing of approximately a $10B portfolio of government guaranteed SBA 7(A) loans and 504 real estate loans.

Responsible for reviewing small or less complex business banking, commercial, and high net worth loan packages according to business unit standards.

• Extending credit to and monitoring loan portfolios investigation, analysis and review of credit of standards to determine credit worthiness
• Handling problem loans/workouts to determine remedies if needed
• Communicating underwriting decisions
• Provide customer assistance as needed

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.

• 
  2+ years of underwriting experience

• 
  Excellent verbal, written, and interpersonal communication skills
• Good analytical skills with high attention to detail and accuracy
• Residential or commercial loan experience
• Small Business Administration (SBA) 7a and 504 Lending experience
• Knowledge and understanding of Small Business Administration (SBA) Standard Operating Procedures (SOP) and Policies
• Ability to review personal or business financial statements and tax returns (commercial and individual)
• Ability to work in a fast paced deadline driven environment
• Customer service focus with the ability to listen to customer needs and recommend solutions
• Exposure to Wells Fargo AFS (Automated Financial Systems)
• Exposure to Wells Fargo BLAST (Business Lending and Sales Tracking) system
• Knowledge and understanding of loan structuring across broad spectrum of product and loan types