Job Description
At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.
About this role:
Wells Fargo is seeking a Senior Lead Capital Markets Document Negotiator who will be responsible for overseeing the closing, funding, and delivery processes for Fannie Mae, Freddie Mac loans. He/she collaborates with all involved parties to ensure loans are closed accurately and in accordance with Fannie Mae, Freddie Mac and other requirements. The GSE Closer also arranges for funding of the loans and ensures that loans are delivered within required timelines. He/she follows up and resolves any post funding issues.
In this role you will:
- Manage the closing, and funding of loans from receipt of application to final delivery and purchase, proactively, being especially conscious of timeframes.
- Interact with all departments (Production, Underwriting, Servicing, Asset Management, and Accounting) and other involved parties (Borrower, Borrower's Counsel, Lender Counsel, Title Company, and Fannie Mae/Freddie Mac) proactively to ensure that loans are closed in a timely and responsible manner and according to agency requirements.
- Engage outside counsel to begin working on a transaction, upon direction from the Closing Manager.
- Provide due diligence and other information to closing counsel following review and satisfaction of the condition of such due diligence.
- Work closely with closing counsel assigned on various transactional matters and to ensure anticipated timeframes are met.
- Prepare Lender Commitments on assigned transactions, and submit all final C&D Commitments through Fannie Mae electronic applications for confirmation.
- Review draft loan documents for accuracy and revise as necessary.
- Ensure all approved waivers are delivered to closing counsel, so all necessary and applicable conditions can be drafted into final loan documents.
- Track Rate Lock and Closing Special Conditions to ensure satisfactory completion.
- Oversee the funding process to ensure timely funding of each loan and ensure loans are delivered to Fannie or Freddie in a timely manner to meet their timing requirements
- Generate the closing workbook for each deal to produce notices, and disbursement schedules for the title company.
- Review Title Company Settlement Statement, ensure all closing conditions have been satisfied through communication with the Underwriter, Closing Manager, and closing counsel and Title Company.
- Maintain responsibility for all Pre-Funding Letter conditions (Freddie Mac) or Delivery findings (Fannie Mae)
- Generate closing transmittals and prepare package to hand loans off to Servicing.
- Work on projects and team initiatives as requested
Required Qualifications:- 7+ years of Capital Markets Document Negotiation experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:- Minimum 5 years of experience in multi-family lending, preferably in closing and delivering Fannie Mae/Freddie Mac loans including one-off loans, credit facilities, and the various product types, including conventional loans, streamlined refinance, forward commitments, affordable housing, seniors housing, and manufactured housing
- Comprehension of real estate finance and secondary market concepts and loan documentation
- Experience with Fannie Mae and Freddie Mac systems and experience interfacing with database management systems is preferred
- Ability to competently complete multiple tasks simultaneously with an appropriate attention to detail
- Strong organizational, teamwork and interpersonal skills
- Ability to work under tight time constraints independently and within the department
- Working knowledge of Microsoft Word, Excel, and Outlook
- Bachelor's degree or equivalent work experience in commercial real estate, finance, title work, and/or paralegal studies
Job Expectations:- Ability to travel as needed
- 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, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification. Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report 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.
Pay RangeReflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$185,000.00 - $300,000.00
Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- 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
Posting End Date:10 Oct 2025
* Job posting may come down early due to volume of applicants. We Value Equal OpportunityWells 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.
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.
Applicants with DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol PolicyWells 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.
