Charlotte, North Carolina

Job Description

Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.  In order to receive text message invitations, your profile must include a mobile phone number designated as “Personal Cell” or “Cellular” in the contact information of your application. 

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

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) is part of Corporate and Investment Banking (CIB), one of five CEO-led businesses for Wells Fargo. CRE operates globally to deliver a comprehensive platform of financing and banking products for experienced commercial real estate companies including balance sheet lending, CMBS origination and distribution, loan servicing, agency financing for multifamily properties, and debt and equity capital for affordable housing. In addition to being the #1 CRE lender in the U.S., Wells Fargo CRE has also earned other notable accolades, including being the #1 Affordable Housing Lender and the #1 Commercial Mortgage Servicer.

The Hospitality Finance Group (HFG) is a specialty lending division within Wells Fargo’s Commercial Real Estate platform that provides financial products and services to leading hotel owners throughout the United States, Canada and the United Kingdom.  Target customers include large, well-capitalized private owner/operators, institutional real estate funds dedicated to lodging investments, public and private hotel REITs, and C-Corps.  HFG team members focus exclusively on the lodging sector across a variety of product types. Commercial Real Estate is a cyclical business, and our wide range of services gives us the flexibility to help our clients through even the most difficult economic cycles.  Our underwriting analyzes People/Credit/Real Estate.  Lending activities today emphasize refinancing hotel properties that are leaders in their competitive set, hotel acquisition and repositioning loans, and, on a very selective basis, hotel construction and redevelopment financing.

Wells Fargo is hiring for the role of Commercial Real Estate Analyst 2 in the Hospitality Finance Group, who will be directly responsible for supporting the management of a portfolio of assigned relationships and real estate loans, and underwriting of new real estate loan requests as well as the modification of existing loans.

You will work closely with the relationship managers to underwrite real estate, develop a deep understanding of market fundamentals, and borrower’s balance sheet profiles. You will also assist relationship managers as they meet with their clients on a regular basis to ensure we continue to satisfy their needs and to identify future opportunities. You will become an integral part of the HFG team and have the opportunity to assume a significant amount of responsibility that may include:

  • Independently assembling complex financial models that project the potential financial performance of an asset as well as analyzing risks associated with project, market, and execution of the client’s business plan including the understanding and articulation of supply and demand dynamics, revenue and expense drivers, and capitalization rates
  • Researching specific real estate markets and assessing market data and trends affecting demand generators, risk presented by new supply, and comparable properties
  • Identifying and elevating credit issues to relationship managers and senior leadership early in the underwriting process and recommending ways to mitigate risk
  • Monitoring existing loan portfolio and complete quarterly reporting updates in Wells Fargo’s proprietary reporting system to review monthly operating performance trends against prior periods and comparable properties
  • Preparing borrower/guarantor financial review memorandums to analyze guarantor’s net worth, leverage, liquidity, and other key risk factors, including cash flows and ability to service debt
  • Partnering with relationship managers and recommending structure on transactions
  • 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, its competitive set, and the market
  • Reviewing and interpreting credit policies and procedures and incorporating requirements into credit analysis, lending recommendations, and quarterly reporting updates
  • Working with relationship managers ensuring compliance with Wells Fargo’s “Know Your Customer” BSA/AML requirements.
  • Engaging vendors to facilitate ordering and analyzing third-party reports, including appraisals, property condition reports, environmental reports, and costing analyses.

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.

Required Qualifications

  • 2+ years of experience in one or a combination of the following: financial analysis, credit analysis, statistical analysis, or statement spreading; or 1+ year in Financial Analyst Program (FAP) 1 job

Desired Qualifications

  • Intermediate Microsoft Office skills
  • Strong analytical skills with high attention to detail and accuracy
  • Excellent verbal, written, and interpersonal communication skills
  • High level of initiative and accountability
  • Effective organizational, multi tasking, and prioritizing skills
  • Ability to work in a fast-paced deadline driven environment
  • Solid problem solving and decision making skills
  • A BS/BA degree or higher
  • Commercial real estate experience
  • Advanced Microsoft Excel skills

Job Expectations

  • Ability to work additional hours as needed
  • Ability to travel domestically

Street Address

NC-Charlotte: 550 S Tryon St - Charlotte, NC


    All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

    Relevant military experience is considered for veterans and transitioning service men and women.
    Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Benefits Summary


Visit for benefits information.

Charlotte, North Carolina

At Wells Fargo, we’ve been proudly supporting military veterans and their families for more than 170 years.

We value the leadership, discipline, and skills you’ve gained through your service to our country and recognize the contributions our veteran team members bring to the table. We’re committed to hiring and retaining military veterans, veterans with disabilities, National Guard, Reservists, and Military Spouses.

As a Wells Fargo employee, you’ll find a work culture that is team-oriented, collaborative, structured, and challenging. We support veterans transitioning from military service with a variety of job options, confidential resources, educational information, and career guidance. You may choose to join our Veteran’s Connection Employee Resource Group, a group of thousands who share an interest in veterans’ matters, and that promotes greater awareness and job development within the veteran community. To learn more about opportunities at our company, please visit Let’s talk about turning your military experience into a great civilian career.

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