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2026 Commercial Real Estate Early Career Program

Wells Fargo is seeking talent to join the 2026 Commercial Real Estate Early Career Program in Corporate and Investment Banking. Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/)

Commercial Real Estate Overview

Commercial Real Estate provides a fully integrated platform of banking, financing, and capital markets as well as financial products and services to clients including financial sponsors, institutional investors, asset managers, regional developers, and public and private corporations. We've built the strongest commercial real estate lending platform in the industry.

The CIB Commercial Real Estate Early Career Program is non-rotational. Offers are made for a specific Commercial Real Estate business and location, based on candidate preference and business need in one of the following:

+ Real Estate Banking

+ Specialty Real Estate Finance (Hotels/Leisure, Data Centers, Seniors Housing, Manufactured Housing)

+ Community Lending and Investment (Debt & Equity in Affordable Housing)

+ Multifamily Capital (GSE Lending)

+ Real Estate Syndicated Finance

+ Real Estate Securitization & Capital Markets (Securitization and Lending)

WHAT THE PROGRAM OFFERS

You will work closely with the senior bankers in your office to underwrite real estate and develop a deep understanding of market fundamentals and borrower’s balance sheet profiles. You will also assist senior bankers when they meet with their clients on a regular basis to ensure we continue to meet their needs and to identify future opportunities. You will become an integral part of your office’s team and have the opportunity to assume a significant amount of responsibility that may include:

+ Assembling complex financial models that project the potential financial performance of an asset as well as underwriting risks associated with market demand, supply, net effective rents, expenses, capitalization rates, and tenant quality.

+ Researching specific real estate markets and assessing market data and trends affecting demand generators, risk presented by new supply, and comparable properties.

+ Identifying credit issues early in the underwriting process and recommending ways to reduce exposure.

+ Preparing borrower/guarantor financial reviews as well as writing memorandums focused on a borrower’s and guarantor’s adjusted net worth, leverage, liquidity, and other key risk factors, including cash flows and ability to service debt.

+ Assist in developing pitches for prospective clients, create due diligence reports and track transaction and market data on an ongoing basis.

+ Assist in developing all transaction documents including term sheet, offering memorandum and collateral data tape.

+ Reviewing and assisting in the development of loan agreements and ancillary documents related to the closing of a transaction.

+ Participating in property tours and site visits to develop a deeper understanding of the viability of the real estate and the related transaction.

+ Engaging vendors to facilitate ordering and analyzing third-party reports, including appraisals, property condition reports, environmental reports, and costing analyses.

Analysts start with a comprehensive four-to-six-week training program in before beginning work with their business unit. The training combines all the analysts from various lines of business and includes classroom instruction in financial accounting, cash flow, credit analysis, products, structuring, corporate valuation, and financial modeling. Wells Fargo professionals and consultants with special expertise in their fields equip analysts with the skills, knowledge and tools to make an immediate contribution to their team. Analysts will also receive on-the-job coaching, mentoring, and feedback throughout their tenure.

**Program duration:** This is a 2-year program with a program start date of July 2026.

**Program Locations** : We have positions available nationwide, however, a majority are located in the following cities: New York, Charlotte, Chicago, Dallas, San Francisco and Los Angeles.

Pay Range:

+ New York: $100,000 - $110,000 Annually

+ Charlotte: $100,000 - $110,000 Annually

+ Chicago: $100,000 - $110,000 Annually

+ Dallas: $100,000 - $110,000 Annually

+ San Francisco: $100,000 - $110,000 Annually

+ Los Angeles: $100,000 - $110,000 Annually

REQUIRED QUALIFICATIONS:

+ 6+ months of Commercial Real Estate Relationship Management - Program experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

DESIRED QUALIFICATIONS:

CIB Commercial Real Estate Analysts must demonstrate a combination of academic aptitude, quantitative skills and personal motivation. It is preferred that your background includes:

+ Knowledge and understanding of financial markets

+ Strong analytical skills with high attention to detail and accuracy

+ Ability to be proactive, innovative and creative in meeting customer and enterprise needs

+ Ability to initiate action, make difficult decisions, and generate creative solutions

+ Ability to interact with integrity and a high level of professionalism with all levels of team members and management

+ Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

+ Ability to shift priorities as workflow/volume dictates

+ Ability to take on a high level of responsibility, initiative, and accountability

+ Ability to work effectively in a team environment

+ Good verbal, written, and interpersonal communication skills

+ Advanced Microsoft Office (Word, Excel, Outlook and PowerPoint) skills

+ A BS/BA degree or higher with an expected graduation in December 2025 or May/June 2026

This position may be subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17fof 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.

Wells Fargo only considers candidates who are presently authorized to work for any employer in the United States and who do not require work visa sponsorship from Wells Fargo now or in the future in order to retain their authorization to work in the United States.

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.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Pay Range

Reflected 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.

$76,300.00 - $135,700.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) 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:

30 Dec 2025

*** **_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, 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 Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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.

**Req Number:** R-473156