Job Summary

About this role: Wells Fargo is seeking a Lead Commercial Loan Closing Representative

In this role, you will:

- Support performance and overall effectiveness of team, as well as cross-group pre-close and post-close documents for the most complex real estate loans
- Provide feedback and present ideas for improving or implementing processes and tools within Commercial Loan Closing
- Perform or guide others on complex business and operational decisions that require planning, evaluation, and interpretation
- Review and prepare loan related documents
- Independently prioritize work and provide day-to-day-work leadership and mentorship to Commercial Loan Closing team
- Lead or contribute to implementation of new or revised processes and procedures that require coordination among various work groups
- Provide guidance and subject matter expertise to peers, colleagues and managers on the functions, policies, procedures and compliance requirements

- Support pre-close documents for moderately complex to complex commercial loans
- Seek ways to improve aspects of loan closing and process''s
- Perform moderately complex legal activities for loan documentation that may include Documents purchased from third party sources, internal staff and corporate legal groups
- Review and prepare complex loan documents
- Receive direction from supervisor and escalate non-routine questions
- Review and negotiate complex legal documentation, evaluate risks, devise strategies to mitigate documentation risk and identify procedural modifications




- Interact with immediate team and Commercial Loan Closing group as well as Interact with internal customers
- Validate flood determinations using approved third-party vendors
- Conduct FDPA (Flood Disaster Protection Act) compliance reviews for both high-risk and low-risk transactions.
- Perform flood determination validation using internal systems or approved third-party vendors.
- Review credit agreements, loan documents, and collateral records to identify flood insurance requirements and compliance obligations.
- Evaluate flood insurance policies to ensure:
- Adequate coverage amounts (loan balance, insurable value, NFIP limits)
- Accuracy of borrower/lender details
- Policy validity, effective dates, and renewals

- Differentiate and prioritize high-risk vs low-risk events, ensuring appropriate depth of review and escalation where required.
- Identify documentation gaps, policy deficiencies, and compliance exceptions, and track them to resolution.
- Maintain proper documentation and audit trails to support regulatory and internal audits.
- Ensure compliance with FDPA, FEMA, and NFIP guidelines, as well as internal risk and compliance policies.
- Coordinate closely with Deal Teams, Middle Office Operations,



and other stakeholders to ensure timely completion of reviews, especially under tight timelines aligned with loan closing deadlines.
- Provide transparent communication of findings, risks, and remediation steps to stakeholders.

Required Qualifications

- 4+ years of Experience in commercial loan closing support, collateral management, flood operations, or insurance operations, or equivalent demonstrated through a combination of work experience, training, or education.
- Strong knowledge of FEMA flood zones and FDPA regulations
- Experience in credit/loan document review and insurance validation
- High attention to detail and analytical mindset
- Ability to manage multiple transactions under tight deadlines
- Strong stakeholder management and coordination skills
- Familiarity with flood determination tools and loan systems (preferred)

Job Expectations

- Strong analytical and critical thinking abilities.
- Excellent verbal and written communication skills.
- Strong meeting facilitation and presentation skills.
- Ability to manage multiple priorities in a rapid-paced environment.
- Effective decision-making and problem-solving skills.
- Strong organizational and time-management abilities.
- High attention to detail and commitment to quality.
- Ability to work independently while collaborating across multiple teams.
- Demonstrated adaptability, accountability, and ownership of responsibilities.
- Strong coaching and mentoring skills to support team development and knowledge growth.

📌 Lead Commercial Loan Closing Representative (Bengaluru)
🏢 Wells Fargo
📍 Bengaluru