Underwriter, High Net Worth, Credit Card, Unsecured Lending

Wells Fargo

Underwriter handling high net worth credit applications at Wells Fargo. Evaluating client creditworthiness and making lending decisions for affluent and high-net-worth clientele.

Posted 7/8/2026full-timeChandler • Arizona, Minnesota, North Carolina • 🇺🇸 United StatesJuniorMid-Level💰 $29 - $48 per hourWebsite

About the role

Key responsibilities & impact

Review, analyze, approve, and underwrite consumer credit requests for affluent and high-net-worth clients within established credit policies and authority limits.
Evaluate credit applications, credit bureau reports, tax returns, financial statements, and supporting documentation to determine creditworthiness.
Make lending decisions for unsecured credit card and other consumer credit products using a combination of automated and judgment-based underwriting.
Communicate credit decisions clearly and professionally to internal and external stakeholders.
Partner with bankers and relationship teams to gather additional information and ensure sound credit decisions.
Provide thoughtful decision rationale and recommendations on complex credit situations.
Maintain complete, accurate, and compliant credit files in accordance with regulatory and company requirements.
Manage a high-volume underwriting pipeline while maintaining strong attention to detail and service-level expectations.
Contribute to a collaborative team environment and support ongoing process improvements.
Deliver premium customer experience aligned with the expectations of affluent and high-net-worth clientele.

Requirements

What you’ll need

2+ years of underwriting, loan processing, originations, or closing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Experience analyzing consumer credit and making independent credit decisions.
Experience reviewing financial documentation, including credit reports, tax returns, income documentation, and financial statements.
Strong analytical, problem-solving, and decision-making skills.
Experience with underwriting high net worth unsecured credit cards or credit transactions
Experience underwriting high-net-worth or affluent clients.
Experience underwriting unsecured credit cards, consumer lending, home equity products, or related credit transactions.
Experience working within delegated lending authority and making judgment-based credit decisions.
Experience managing a high-volume underwriting pipeline.
Experience partnering with bankers, financial advisors, or relationship managers.
Understanding of private banking, wealth management, or affluent customer lending environments.
Ability to analyze complex financial profiles and articulate clear credit decision rationale.
Strong attention to detail in a dynamic, rapidly changing environment.

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Consumer Credit UnderwritingFinancial Statement AnalysisCredit Report ReviewTax Return EvaluationJudgment-Based Lending DecisionsUnsecured Credit Card UnderwritingHome Equity Product UnderwritingLoan ProcessingOriginations ExperienceClosing Experience

Soft Skills

Analytical SkillsProblem-Solving SkillsAttention to DetailCommunication SkillsCollaborative Teamwork