Abl Field Examiner jobs at Wells Fargo in United Kingdom, City Of London

(Senior ABL Auditor / Field Examiner)

In this position, you will be part of a specialist team that plays a key role in assessing and safeguarding the bank’s secured lending portfolio. The role involves conducting financial collateral examinations at client sites, offices, and operational facilities. This includes reviewing receivables, inventory, financial statements, and commercial collateral. You will work directly with a wide range of businesses across varied industries, providing analysis that supports sound lending decisions. The position combines detailed financial review with regular client interaction and requires travel to client locations across the UK. There is no fixed travel pattern, but the work typically includes several days each week on-site with clients, followed by home-based working.

In this role, you will:

• Lead the most complex field examinations of current and potential borrowers’ financial records, including receivables, inventory, financial statements, and other commercial collateral.
• Take ownership of complex initiatives, including cross-functional projects with broad organisational impact.
• Participate in strategic planning for the Financial Collateral Examination function.
• Review and analyse complex, multi-faceted, large-scale or long-term business, operational, or technical challenges requiring in-depth evaluation of multiple factors, including intangible and unprecedented considerations.
• Make informed decisions in complex situations using a strong understanding of the Financial Collateral Examination function, relevant policies, procedures, and compliance requirements, leading teams to meet deliverables and drive forward new initiatives.
• Collaborate with colleagues, peers, and managers to resolve issues, share best practice, and achieve business goals.
• Lead projects within the Financial Collateral Examination function and act as a peer mentor.

Required Qualifications:

• Direct experience of Financial Collateral Examination (within an Invoice Discounting, Valuation Appraisals, or ABL environment), demonstrated through one or a combination of: work experience, training, military experience, or education.
• Commercial audit and accounting experience, ideally with extensive exposure to complex reviews and analysis.

Desired Qualifications:

• Accountancy or similar business-related qualification, or practical experience in general ledger, accounts preparation, and financial reporting.
• Experience working across multiple industries and adapting to varied client environments.
• A valid driving licence and access to a car for travel to client sites.

Job Expectations:

• Regular travel (including overnight stays) in the UK, with occasional travel within Europe. Client locations are spread across Manchester, Kent, the South East, the North West, and the Midlands (not including Scotland).
• No fixed travel pattern, but likely to include several days at client sites followed by home-based work.
• Ability to work independently in varied settings while maintaining strong communication and organisational skills.
• Adaptability to manage changing workloads and priorities, including visits to clients with diverse operational models.

• The role will primarily be performed remotely, and applications are welcome from candidates based anywhere within the UK, provided they can travel to client sites as required.

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

About this role:

The Operations Associate is seen as a subject matter expert and therefore will need to be able to perform all operational activities in ABL and treasury operations activities in IF/CF. The role is accountable for reviewing existing processes, seeking automation and simplification initiatives, leveraging Global Operations expertise available. The post-holder will be able to utilize available data & metrics to drive change/efficiency and be accountable to deliver with minimal supervision on small to medium projects, working to set timelines and ensuring appropriate progress reporting and escalation communication.

The Operations Associate will play a key role within the Operations function and be able to make key decisions (within their remit), resolve queries from the front line, build longstanding relationships, communicate and influence across the EMEA organization (Risk, Commercial, Controllership & IT) as well as being the key point of contact for audits and business process mapping activities.

(Note: In addition to these functions employees are required to carry out such other duties as may reasonably be required)

In this role, you will:

• Ensure ABL client advances are made each day within cut off times and monitoring ABL client cash balances using external bank platforms.
• Use WF systems and SWIFT messaging to control and collect client cash so that it can be posted to client loans.
• Have the ability to perform all IF/CF funding, forecasting, customer bank account management activities and administration of user access to external bank accounts for clients and team members.
• Ensure timely resolution of bank reconciliation items.
• Be seen as subject matter expert being able to resolve queries from front line partners or external banking partners.
• Be the main point of contact for internal & external audits, control testing by internal stakeholders, and Business Process Mapping activities.
• Raise concerns, improvement ideas, establish clear actions & follow ups.
• Identify training and process improvement needs to further enhance the internal and/or external customer experience ensuring accurate & timely processing and query resolution. Escalating internally & cross functionally as and when required.
• Identify and drive process simplification.
• Ensure processes are executed and maintained in line with regulatory and WF standards at all times and ensure that records are maintained to the highest standard.
• Maintain and ensure adherence to Standard Operating Procedures and Business Continuity Planning to ensure that procedures are updated to reflect operating practices.
• Work with other departments, including Commercial, Risk and Controllership to maintain and improve awareness and understanding of the Operations requirements.

Required Qualifications:

• Experience in Operations, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Attention to detail, problem solving attitude, strong organisational skills, improvement mind set, proactive in identifying improvement & efficiency opportunities.
• Knowledge of Treasury processes would be beneficial, but not essential.
• Ability to work under time pressure.
• Ability to work independently and as a wider Team Member with minimal supervision.
• Ability to make decisions within the agreed boundaries with minimal supervision and communicate effectively with internal and external customers – a strong team player.
• Able to display a positive attitude and flexible approach to assigned tasks with a desire to learn and grow within the organisation.
• The ability to establish strong partnerships at all levels and the ability to influence key stakeholdersinternally/externally.
• Strong knowledge of MS Excel including ability to create pivot tables to manage and analyze data is essential.

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.