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The Role
Underwrite, execute, and manage a diversified portfolio of commercial real estate loans and structured finance transactions (including repo and CMBS). Perform cash flow modelling, credit analysis, deal structuring, prepare credit memos and investment committee packages, review third-party reports, support securitization activity, monitor portfolio performance, and coordinate with internal and external stakeholders.
Summary Generated by Built In
Wells Fargo Corporate & Investment Banking delivers a comprehensive suite of capital markets, banking, and financial products and services. A trusted partner to our clients, we provide corporate and transactional banking, commercial real estate lending and servicing, investment banking, equity and fixed income solutions including sales, trading, and research capabilities to corporate, commercial real estate, government, and institutional clients across the globe.
Commercial Real Estate (CRE)
Delivers a comprehensive platform of financing and banking products for experienced commercial real estate clients, including balance sheet lending, CMBS origination and distribution, loan warehousing, agency financing for multifamily properties, and debt and equity capital for affordable housing.
About the Role:
We are seeking a Commercial Real Estate Associate with strong underwriting experience to join our EMEA Commercial Real Estate team. This role is ideal for an individual who has developed robust commercial real estate credit skills through direct lending, investment banking, debt investing, or structured finance, and is looking to apply those capabilities within a leading global CRE platform.
As a key member of the deal team, the Associate will be responsible for underwriting, executing, and actively managing a diversified portfolio of Commercial Real Estate direct lending and structured finance transactions, including repo and CMBS-related exposures. The successful candidate will possess strong analytical and financial modelling capabilities, a solid understanding of commercial real estate fundamentals, and the ability to assess complex credit structures across multiple property sectors.
CRE EMEA forms part of Wells Fargo's Global Commercial Real Estate platform within the Corporate & Investment Banking division, providing access to a broad range of financing solutions and exposure to sophisticated transactions across European markets.
Joining Wells Fargo's Commercial Real Estate team offers the opportunity to work on some of the most sophisticated and complex real estate financings in the market. You'll collaborate with experienced professionals across banking, capital markets, risk and structured finance while developing a broad skill set spanning both traditional CRE lending and securitised products. We foster a collaborative, inclusive culture where team members are empowered to take ownership, build deep expertise and contribute to delivering exceptional outcomes for our clients.
In this role you will:
Underwriting & Execution
This position is deemed to be a Certified Person function under the FCA and PRA Certification Regime. You must at all times remain fit and proper to perform your role, and this will be assessed on at least an annual basis
In addition to the responsibilities summarised in your job description, you are also required to comply at all times with the FCA/PRA Conduct Rules:
You must act with integrity. You must act with due skill, care and diligence. You must be open and cooperative with the FCA, the PRA and other regulators. You must pay due regard to the interests of customers and treat them fairly. You must observe proper standards of market conduct.
Posting End Date:
27 Aug 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.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
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.
Commercial Real Estate (CRE)
Delivers a comprehensive platform of financing and banking products for experienced commercial real estate clients, including balance sheet lending, CMBS origination and distribution, loan warehousing, agency financing for multifamily properties, and debt and equity capital for affordable housing.
About the Role:
We are seeking a Commercial Real Estate Associate with strong underwriting experience to join our EMEA Commercial Real Estate team. This role is ideal for an individual who has developed robust commercial real estate credit skills through direct lending, investment banking, debt investing, or structured finance, and is looking to apply those capabilities within a leading global CRE platform.
As a key member of the deal team, the Associate will be responsible for underwriting, executing, and actively managing a diversified portfolio of Commercial Real Estate direct lending and structured finance transactions, including repo and CMBS-related exposures. The successful candidate will possess strong analytical and financial modelling capabilities, a solid understanding of commercial real estate fundamentals, and the ability to assess complex credit structures across multiple property sectors.
CRE EMEA forms part of Wells Fargo's Global Commercial Real Estate platform within the Corporate & Investment Banking division, providing access to a broad range of financing solutions and exposure to sophisticated transactions across European markets.
Joining Wells Fargo's Commercial Real Estate team offers the opportunity to work on some of the most sophisticated and complex real estate financings in the market. You'll collaborate with experienced professionals across banking, capital markets, risk and structured finance while developing a broad skill set spanning both traditional CRE lending and securitised products. We foster a collaborative, inclusive culture where team members are empowered to take ownership, build deep expertise and contribute to delivering exceptional outcomes for our clients.
In this role you will:
Underwriting & Execution
- Underwrite new direct secured lending CRE loans across property types (industrial, office, retail, mixed-use and living sectors) and facility types (construction, bridge, term, perm).
- Analyse and underwrite structured finance transactions, including repo and CMBS.
- Perform sponsor-, loan-, and property- financial analysis, including cash flow modelling, leverage metrics, and downside scenarios.
- Support deal structuring, sizing, pricing, and credit positioning across senior and subordinate exposures.
- Prepare underwriting materials, credit memos, and investment committee packages.
- Review third-party reports (appraisals, property condition reports, environmental, insurance reviews, market studies).
- Assist in the ongoing management of a portfolio of CRE loans and CMBS-related exposures including risk retention interests and liquidity facilities.
- Monitor credit performance, covenant compliance, collateral value, and sponsor strength.
- Review and manage quarterly waterfalls and construction draws where applicable.
- Support loan amendments, extensions, modifications, reserve releases, and consent requests.
- Prepare reporting for quarterly and annual portfolio reviews, identifying and presenting any emerging risks and mitigation strategies.
- Preparing adhoc reporting as applicable such as sector reviews or watchlist reporting.
- Support securitization and structured finance activity, including CMBS, CRE CLO and Data Center ABS transactions.
- Assist with analysis of capital structures, bond tranching, ratings considerations, and investor requirements.
- Coordinate with internal structured credit, capital markets, and risk teams, as well as external parties (counsel, rating agencies, investors).
- Work closely with bankers, senior portfolio managers, credit, legal, and operations teams to execute transactions.
- Interface with external sponsors, borrowers, investors and counterparties as part of deal execution and portfolio oversight.
- Experience in commercial real estate lending, structured credit, or investment banking.
- Strong foundational CRE underwriting skills with exposure to cash flow modelling and credit analysis.
- Familiarity with structured lending concepts (repo, CMBS, securitization structures).
- Advanced Excel skills; experience building and reviewing financial models.
- Strong written and verbal communication skills with experience preparing credit and investment materials.
- Experience across both direct lending and structured finance transactions.
- Exposure to CMBS, CRE CLOs, Data Center ABS or other securitized products.
- Understanding of risk retention, securitization parties, and ratings agency frameworks.
- Strong analytical judgment with attention to detail
- Ability to identify and articulate credit risk on complex structures
- Collaborative, execution-oriented mindset
- Interest in developing a hybrid skill set across CRE and structured finance
- Ability to manage multiple transactions and priorities in a fast-paced environment.
This position is deemed to be a Certified Person function under the FCA and PRA Certification Regime. You must at all times remain fit and proper to perform your role, and this will be assessed on at least an annual basis
In addition to the responsibilities summarised in your job description, you are also required to comply at all times with the FCA/PRA Conduct Rules:
You must act with integrity. You must act with due skill, care and diligence. You must be open and cooperative with the FCA, the PRA and other regulators. You must pay due regard to the interests of customers and treat them fairly. You must observe proper standards of market conduct.
Posting End Date:
27 Aug 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.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
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.
Skills Required
- Experience in commercial real estate lending, structured credit, or investment banking
- Strong CRE underwriting skills with exposure to cash flow modelling and credit analysis
- Familiarity with structured lending concepts (repo, CMBS, securitization structures)
- Advanced Excel skills and experience building and reviewing financial models
- Strong written and verbal communication skills with experience preparing credit and investment materials
- Experience across both direct lending and structured finance transactions
- Exposure to CMBS, CRE CLOs, Data Center ABS or other securitized products
- Understanding of risk retention, securitization parties, and ratings agency frameworks
Wells Fargo Compensation & Benefits Highlights
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Retirement Support — Retirement support is anchored by a dollar‑for‑dollar 401(k) match on employee contributions after one year of service, with an additional non‑matching company contribution for some lower‑paid employees. Access to an employee stock purchase plan further expands long‑term savings opportunities.
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Parental & Family Support — Family supports include up to 16 weeks of paid parental leave available from the first day of employment, plus paid critical‑caregiving leave and extensive backup care options. Fertility, adoption, and surrogacy programs are highlighted with meaningful coverage and reimbursements, including a combined lifetime maximum up to $35,000 for eligible expenses.
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Healthcare Strength — Health coverage is comprehensive from day one, spanning medical, dental, vision, mental health, prescriptions, and preventive care often fully covered in‑network. Employer cost‑sharing is emphasized alongside no‑cost counseling through the EAP within plan limits.
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The Company
What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.2 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. Our technology professionals drive innovation, information security, and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us! Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place. Living the Well Life means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it — Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.” 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. © 2026 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
Why Work With Us
We're known for our “Well Life” approach to supporting employees’ career aspirations, work-life balance, and mental and physical health. Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.”
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Wells Fargo Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Typical time on-site:
3 days a week
