Senior Commercial Loan Closing Representative

Wells Fargo is seeking a Senior Commercial Loan Closing Representative

In this role, you will:

• Support performance of less experienced staff and overall effectiveness of team
• Provide feedback and present ideas for improving or implementing processes and tools within Commercial Loan Closing
• Evaluate and upload data into the systems of record to ensure compliance with all bank policies, procedures and regulatory requirements
• Perform complex legal activities for loan documentation that may also include documentation purchased from a third party source, internal staff and the Corporate Legal Group
• Provide subject matter expertise and interpretation of procedures to less experienced individuals
• Work collaboratively with Credit, Sales and Legal regarding proper procedures and documentation requirements necessary to ensure accuracy with negotiated terms and ensure alignment with appropriate compliance standards
• Interact with immediate team and Commercial Loan Closing
• Interact with internal customers

• 3+ 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.

• 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
• 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 clear communication of findings, risks, and remediation steps to stakeholders.

• 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 fast-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.
• 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)