Vice President, MFG Client Due Diligence, CCRADD

In This Role, You Will

• Perform periodic on-site due diligence reviews of existing mortgage and specialty lending clients in accordance with established CCRADD procedures, review schedules
• risk frameworks Participate in on-site and remote due diligence reviews of prospective mortgage originators, servicers, SFR operators, BPL lenders
• builder construction lenders, including pre‑review planning, execution
• reporting Tailor review scope based on client business model, loan products, servicing profile, collateral composition
• credit exposure Assess mortgage origination practices, including underwriting standards, credit policies, appraisal processes, quality control frameworks
• exception management Evaluate compliance with applicable regulatory and investor requirements (e.g., consumer protection, licensing, servicing transfer readiness
• loan documentation standards) Review loan production pipelines, funding mechanics, repurchase exposure
• early payment default trends Evaluate mortgage servicing operations, including payment processing, escrow administration, default management, loss mitigation, foreclosure workflows
• servicing transfers Assess servicing controls related to data integrity, loan boarding, investor reporting, custodial relationships
• servicing advance management Review portfolio performance metrics, delinquency trends, modification activity
• servicing compliance practices Evaluate the quality, eligibility
• performance of collateral and receivables supporting Wells Fargo credit facilities Test controls around collateral reporting, loan‑level data accuracy, eligibility determinations
• compliance with financing agreements Review advance formulas, concentration limits, ineligibility tracking
• collateral reconciliation processes Assess single‑family rental Specialty Lending Focus (SFR) platforms, including acquisition strategies, property management oversight, rent collection processes
• valuation controls Review business‑purpose lending (BPL) programs, including borrower underwriting, collateral evaluation, DSCR methodologies
• covenant compliance Evaluate builder and ground‑up construction loan portfolios, including draw controls, inspection processes, cost‑to‑complete tracking
• interest reserve management Identify emerging risk trends, control gaps, covenant breaches
• performance concerns that may warrant escalation, enhanced monitoring
• follow‑up reviews Complete and document testing and observations using standardized CCRADD due diligence templates, workpapers
• supporting evidence Prepare clear, well‑supported written due diligence reports and executive summaries for CCRADD management and credit stakeholders Communicate findings, key observations
• risk considerations to internal stakeholders, including CCRADD leadership, relationship teams
• credit partners Provide recommendations to enhance due diligence methodologies, procedures
• risk coverage Support an annual due diligence cadence of approximately 20–25 client engagements annually, depending on complexity, product mix, servicing profile
• overall risk exposure Required Qualifications: 5+ years of Client Due Diligence, consumer finance, operational risk
• audit/financial management experience
• equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Experience in client due diligence, mortgage credit analysis, servicing oversight, audit, compliance
• risk management Working knowledge of mortgage origination, mortgage servicing, SFR, business‑purpose lending, and/or construction lending preferred Strong analytical skills with the ability to evaluate mortgage business processes, operational controls, financials and risk exposure Ability and willingness to conduct on‑site client reviews, including travel Strong written and verbal communication skills, with experience preparing professional, risk‑based reports Ability to work independently, exercise sound judgment
• escalate issues appropriately Bachelor’s degree or equivalent relevant professional experience Job Expectations: Position supports Wells Fargo’s Consumer Compliance Risk Assessment & Due Diligence (CCRADD) function within the Structured Products Group Role requires close coordination with internal stakeholders across credit, compliance, risk
• relationship management Primarily an on‑site execution role, with limited remote components based on review scope, client profile
• risk considerations Ability to travel as needed (estimated 25% or more) Willingness to work on-site in accordance with current office requirements Ability to work additional hours as needed 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.
• Specific compliance policies may apply regarding outside activities or personal investing
• affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired.
• Information will be shared about expectations during the recruitment process.
• Posting Locations: 550 S.
• Tryon St. - Charlotte, North Carolina 28202 Posting End Date: 7 Jul 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
• 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)
• 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
• 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.