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About the Role

As a core member of the deal team, the Commercial Real Estate Vice President is responsible for underwriting, executing, and actively managing a diversified CRE portfolio across direct lending and structured finance (including repo and note-on-note exposures) across the UK and Europe. This role blends strong technical execution with growing leadership responsibility, requiring the ability to independently drive complex transactions, proactively manage portfolio risk, and influence decision-making across internal and external stakeholders. The position supports disciplined risk management, portfolio performance, and business growth across CRE EMEA within the Global Commercial Real Estate platform, which forms part of the Corporate and Investment Banking Division.

Responsibilities

Lead the underwriting and execution of complex CRE transactions across property types and facility types.
Own end-to-end transaction delivery, including structuring, due diligence, documentation, and closing.
Prepare and challenge detailed financial analysis, including cash flow modelling, leverage metrics, sponsor evaluation, and downside stress scenarios.
Review third-party diligence, ensuring outputs are rigorously assessed and reflected in risk and structuring decisions.
Prepare and present investment and credit materials, supporting recommendations in governance forums.
Maintain market insight across CRE sectors and geographies, incorporating macro trends and local dynamics into underwriting decisions.
Execute structured finance transactions across repo and NoN platforms, applying knowledge of underwriting, asset eligibility, and the operational and regulatory frameworks governing these facilities.
Manage a portfolio of CRE loans and structured exposures, including repo and back-leverage positions.
Drive proactive portfolio risk management, identifying emerging risks, thematic trends, and opportunities across sectors and structures.
Monitor risk-weighted returns and capital efficiency across the portfolio, incorporating return thresholds and balance sheet considerations into transaction and portfolio-level decision-making.
Conduct portfolio reviews (quarterly and annual), with a focus on credit performance, covenant compliance, and asset-level developments.
Manage key portfolio events, including amendments, restructurings, extensions, and complex borrower requests.
Support complex and often sensitive borrower negotiations, including restructurings, amendments, extensions, and consent requests, balancing relationship management with disciplined risk outcomes.
Maintain strong governance across portfolio processes, upholding robust risk and control standards.
Deliver clear, forward-looking portfolio reporting and insights to senior management, including watchlist and sector-level analysis.
Serve as a reliable point of contact for internal stakeholders across credit, risk, legal, and coverage teams.
Develop and maintain relationships with sponsors, borrowers, investors, and counterparties.
Demonstrate strong professional presence and the ability to navigate challenging conversations across internal and external stakeholders.
Partner closely with coverage bankers and capital markets teams to align underwriting, structuring, and execution priorities.
Contribute to pipeline management and broader business planning initiatives across CRE EMEA.
Support the development of junior team members, promoting consistent underwriting standards and sharing technical expertise.

Requirements

Solid experience in commercial real estate lending, structured credit, or investment banking.
Strong expertise in CRE underwriting, credit structuring, and portfolio management across a range of asset classes.
Proven ability to independently execute complex transactions and contribute to credit decisions.
Advanced financial modelling capabilities, including the ability to build, review, and challenge models.
Sound commercial judgment and risk assessment capability, with experience managing complex credit scenarios.
Excellent communication skills, with experience preparing and presenting credit and investment materials.
Experience supporting and mentoring junior professionals.
Experience operating within a global platform, with cross-regional collaboration.
Experience with structured finance products, including repo, CMBS, and securitisation structures.
Experience operating across pan-European platforms, with an understanding of regional market dynamics, regulatory frameworks, and cross-border execution.
Strong commercial judgment with the ability to balance risk and return.
Ability to operate at both execution and portfolio levels, with consistent attention to detail.
Credible professional presence with the ability to influence internal and external stakeholders.
Collaborative mindset with a willingness to support and develop junior colleagues.
Highly organised with the ability to manage multiple complex workstreams simultaneously.
Confident to challenge constructively and take ownership of decisions.
Must at all times remain fit and proper to perform your role, as assessed on at least an annual basis.
Comply at all times with the FCA/PRA Conduct Rules: act with integrity, act with due skill, care and diligence, be open and cooperative with the FCA, the PRA and other regulators, pay due regard to the interests of customers and treat them fairly, and observe proper standards of market conduct.

Skills

Commercial Real Estate Lending
Structured Credit
Investment Banking
CRE Underwriting
Credit Structuring
Portfolio Management
Financial Modelling
Risk Assessment
Communication Skills
Structured Finance Products
Repo
CMBS
Securitisation Structures
Pan-European Platforms
Market Insight
Transaction Execution
Due Diligence
Documentation
Closing
Financial Analysis
Sponsor Evaluation
Stress Scenarios
Third-Party Diligence Review
Investment Materials Preparation
Credit Materials Preparation
Governance Forums Presentation
Macro Trends Analysis
Local Dynamics Analysis
NoN Platforms Execution
Asset Eligibility Knowledge
Operational Frameworks Knowledge
Regulatory Frameworks Knowledge
Portfolio Risk Management
Risk-Weighted Returns Monitoring
Capital Efficiency Monitoring
Portfolio Reviews
Credit Performance Monitoring
Covenant Compliance Monitoring
Asset-Level Developments Monitoring
Portfolio Event Management
Borrower Negotiations
Relationship Management
Risk Control Standards
Portfolio Reporting
Stakeholder Management
Internal Stakeholder Liaison
External Stakeholder Relationship Management
Professional Presence
Challenging Conversation Navigation
Coverage Banker Partnership
Capital Markets Team Partnership
Pipeline Management
Business Planning
Junior Team Member Development
Technical Expertise Sharing

Location

UK
Europe

Work Type

Full-time

Experience Level

Vice President
Senior

About the Company

Wells Fargo Corporate & Investment Banking delivers a comprehensive suite of capital markets, banking, and financial products and services.
Commercial Real Estate (CRE) delivers a comprehensive platform of financing and banking products for experienced commercial real estate clients, including balance sheet lending, CMBS origination and distribution, loan warehousing, agency financing for multifamily properties, and debt and equity capital for affordable housing.
At Wells Fargo, you'll be part of a culture that values collaboration, accountability, and inclusion, where diverse perspectives are encouraged and employees are empowered to grow their careers.
Our Global Commercial Real Estate platform offers the opportunity to work on high-profile, complex transactions alongside experienced industry professionals, while contributing to a business focused on serving clients, managing risk responsibly, and creating long-term value.
You'll benefit from meaningful exposure to senior leaders, a strong team-oriented environment, and opportunities for continued professional development within one of the world's leading financial institutions.
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.

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, or any other legally protected characteristic.
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.
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.