Job Summary

About this role: Wells Fargo is seeking a Secured Lending Underwriter.

Responsibilities

- Participate in the partnership with the Underwriting team on all aspects of current business transaction process
- Perform financial analysis, calculate financial covenants, and prepare financing memorandum within Secured Lending Underwriting
- Review basic issues, policies, or procedures where answers can quickly be obtained related to low to medium risk and deliverables
- Receive direction from Secured Lending Underwriting supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements
- Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals

Required Qualifications
- 2+ years of Secured Lending Underwriting experience, or equivalent experience demonstrated through one or a combination of the following: work experience, training, military experience, education

Key Responsibilities Credit Analysis Underwriting Support
- Participate in underwriting and ongoing portfolio management of secured lending and commercial banking relationships.
- Perform moderately complex financial analysis, including spreading financial statements, projections, and proforma financials.
- Evaluate borrower creditworthiness, repayment capacity, leverage, cash flow sustainability, and covenant compliance.
- Support credit rating assessments and recommend risk mitigation strategies in alignment with policy guidelines.
- Conduct borrower and industry analysis to identify internal and external risk factors.

- Monitor assigned portfolios and support covenant calculations, yield analysis, and trend analysis.
- Identify early warning signals and emerging risks and escalate concerns appropriately.




- Analyze and resolve moderately complex credit or portfolio issues under general supervision.
- Ensure timely and accurate completion of renewals, amendments, annual reviews, and ongoing monitoring requirements.
- Identify potential policy exceptions, process gaps, or control issues and escalate through appropriate channels.

- Support project deliverables and functional initiatives as assigned.
- Provide informal guidance or review support to less experienced team members, as needed.

Desired Qualifications
- MBA (Finance mandatory), CFA, or Chartered Accountant qualification.
- Working knowledge of commercial credit products and the endtoend loan lifecycle.
- Experience with financial spreading, ratio analysis, cash flow analysis, trend analysis, and proforma modeling.
- Working knowledge of GAAP / IFRS accounting standards.
- Ability to evaluate qualitative and quantitative risk factors and distinguish critical versus noncritical information.
- Experience preparing internal credit or portfolio memorandums under supervision.
- Strong written and verbal communication skills.
- Strong attention to detail and ability to manage multiple deliverables within deadlines.
- Ability to work effectively in a collaborative, teambased environment.
- Flexibility to support business needs, timelines, and shift requirements.

AI Skills Competencies

In alignment with Wells Fargos Responsible AI framework, this role requires foundational AI literacy, including:

- Ability to leverage approved AI tools (e.g., Microsoft Copilot, GitHub Copilot, Tachyon, Agentspace) for drafting, summarization, and analysis with appropriate human oversight.
- Ability to interpret and validate AIgenerated outputs before applying them to credit decisions.
- Awareness of ethical considerations, data privacy, and compliance requirements related to AI usage.
- Willingness to continuously learn and adapt to evolving technologies.

📌 Secured Lending Underwriter (Hyderabad)
🏢 Wells Fargo
📍 Hyderabad