Associate, Mortgage Finance Structurer

About the Role

Wells Fargo is seeking a Mortgage Structuring & Analytics Associate to join the Mortgage Finance Group (MFG). MFG provides financing and capital markets solutions to entities that own, originate, or service residential real estate loans and related assets. The Structuring & Analytics team is responsible for the front-office analytical aspects of the business, including structuring transactions, underwriting collateral credit, advising clients on asset disposition strategies, valuing mortgage assets, tracking market conditions, managing portfolio risk, and presenting performance metrics to management. The Associate will report to an Executive Director on a team of four professionals and will work directly on live transactions from day one.

Key Responsibilities

• Support the structuring and underwriting of Residential Mortgage-Backed Securities (RMBS) transactions across a variety of asset classes, including Prime Jumbo, Non-QM, CRT, RTL, SFR, second liens, and other emerging residential asset classes.
• Coordinate with clients, relationship managers, traders, syndicate, rating agencies, lawyers, and accountants to support a smooth execution process.
• Utilize structuring and market knowledge to provide solutions and valuations for mortgage-related assets, including financing arrangements and client advisory activities.
• Oversee mortgage warehouse financing lines, including borrowing-base maintenance, mark-to-market, risk monitoring, and reporting.
• Monitor market conditions and collateral performance, report key metrics, and lead discussions with internal partners.
• Collaborate with origination and capital markets, portfolio management, mortgage trading, syndicate, sales, and credit risk teams.

Requirements & Tech Stack

Required Qualifications

• 2+ years of Investment Banking experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications

• 3+ years of structured finance experience, including direct experience structuring transactions.
• Direct experience with collateral tools and structuring software, including CAS, Intex, Bloomberg, Polypaths, and Yieldbook.
• Proficiency with coding languages, databases, and visualization tools, including Python, SQL, and Power BI.
• Strong understanding of capital markets and mortgage banking.
• Excellent verbal, written, and interpersonal communication skills.
• Strong analytical skills with high attention to detail and accuracy.
• Ability to execute in a fast-paced, high-demand environment while managing multiple priorities.
• Ability to work effectively in a team environment and across organizational levels, with an emphasis on flexibility, collaboration, and adaptability.
• BS/BA degree or higher in a quantitative field such as mathematics, physics, or engineering or equivalent experience.

Job Expectations

• Ability to travel as needed.
• Willingness to work on-site in accordance with current office requirements (currently 5 days in office).
• Ability to work additional hours as needed.
• Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment. This includes FINRA Series 79 and 63 examinations, or equivalent, to be completed within a specified time period following commencement of employment.
• This position is subject to FINRA background screening requirements.
• Specific compliance policies may apply regarding outside activities or personal investing.

Posting Locations

• 550 S. Tryon St. - Charlotte, North Carolina 28202
• 500 West 33rd St. - New York, New York 10001

Benefits

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement