Commercial Real Estate (CRE) provides a fully integrated platform of banking, financing, and capital markets solutions to commercial real estate clients including financial sponsors, institutional investors and asset managers, regional developers, and public and private corporations.
About this role:
Commercial Real Estate Program Analyst - Community Lending & Investment (CLI)
Wells Fargo is seeking talent to join as a Commercial Real Estate Program Analyst in Corporate and Investment Banking. Learn more about the career areas and lines of business at wellsfargojobs.com
Commercial Real Estate Overview
Commercial Real Estate provides a fully integrated platform of banking, financing, and capital markets as well as financial products and services to clients including financial sponsors, institutional investors, asset managers, regional developers, and public and private corporations. We've built the strongest commercial real estate lending platform in the industry.
The CIB Commercial Real Estate Early Career Program is non-rotational:
- Community Lending & Investment (CLI) provides high-impact unsecured loans, construction debt and investments to underserved communities and markets, supporting the development of affordable housing as well as mixed-use, commercial, and community-oriented spaces with a goal of job creation. CLI provides financing to both non-profit and for-profit sponsors as well as Community Development Financial Institutions. CLI plays a critical role in meeting Wells Fargo's Community Reinvestment Act (CRA) goals, accounting for a significant share of both CRA Investment and Lending targets.
In this role:
WHAT THE PROGRAM OFFERS
You will work closely with the senior bankers in your office to underwrite real estate and develop a deep understanding of market fundamentals and borrower's balance sheet profiles. You will also assist senior bankers when they meet with their clients on a regular basis to ensure we continue to meet their needs and to identify future opportunities. You will become an integral part of your office's team and have the opportunity to assume a significant amount of responsibility that may include:
- Assembling complex financial models that project the potential financial performance of an asset as well as underwriting risks associated with market demand, supply, net effective rents, expenses, capitalization rates, and tenant quality.
- Researching specific real estate markets and assessing market data and trends affecting demand generators, risk presented by new supply, and comparable properties.
- Identifying credit issues early in the underwriting process and recommending ways to reduce exposure.
- Preparing borrower/guarantor financial reviews as well as writing memorandums focused on a borrower's and guarantor's adjusted net worth, leverage, liquidity, and other key risk factors, including cash flows and ability to service debt.
- Assist in developing pitches for prospective clients, create due diligence reports and track transaction and market data on an ongoing basis.
- Assist in developing all transaction documents including term sheet, offering memorandum and collateral data tape.
- Reviewing and assisting in the development of loan agreements and ancillary documents related to the closing of a transaction.
- Participating in property tours and site visits to develop a deeper understanding of the viability of the real estate and the related transaction.
- Engaging vendors to facilitate ordering and analyzing third-party reports, including appraisals, property condition reports, environmental reports, and costing analyses.
Program duration: 2-year program
Program Location: Charlotte, NC
Pay Range: $100,000 Annually
REQUIRED QUALIFICATIONS:
- 6+ months of Commercial Real Estate Relationship Management - Program experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
DESIRED QUALIFICATIONS:
CIB Commercial Real Estate Analysts must demonstrate a combination of academic aptitude, quantitative skills and personal motivation. It is preferred that your background includes:
- Knowledge and understanding of financial markets
- Strong analytical skills with high attention to detail and accuracy
- Ability to be proactive, innovative and creative in meeting customer and enterprise needs
- Ability to initiate action, make difficult decisions, and generate creative solutions
- Ability to interact with integrity and a high level of professionalism with all levels of team members and management
- Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
- Ability to shift priorities as workflow/volume dictates
- Ability to take on a high level of responsibility, initiative, and accountability
- Ability to work effectively in a team environment
- Good verbal, written, and interpersonal communication skills
- Advanced Microsoft Office (Word, Excel, Outlook and PowerPoint) skills
- A BS/BA degree or higher graduating in 2024 or later
Job Expectations:
- Visa sponsorship is not available
- Location: 550 S Tryon Charlotte, NC
- This position is subject to FINRA background screening requirements. Candidates must successfully complete and pass a background check prior to hire. In accordance with FINRA rules, individuals who are subject to statutory disqualification are not eligible to be associated with a FINRA-registered broker-dealer. Successful candidates must also meet and comply with ongoing regulatory obligations, which include periodic screening and mandatory reporting of certain incidents.
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What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 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 once again ranked in the top three – making us the #1 financial services employer – on the 2025 LinkedIn Top Companies list of best workplaces “to grow your career” in the U.S. 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.
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