Wells Fargo Lead Commercial Banking Portfolio Manager 

India, Karnataka, Bengaluru 

165799294

In this role, you will:

• Lead complex initiatives including those that are cross functional, with broad impact, and act as a key participant in overseeing lending activities for a wholesale banking business and geographic market
• Review and research complex multifaceted, large scale, and long term business challenges that require in-depth evaluation of multiple factors including intangibles or unprecedented factors
• Make decisions in complex and multifaceted situations requiring understanding of the function, policies, procedures, and compliance requirements that influence and lead the broader work team to meet deliverables and drive new initiatives
• Collaborate and consult with peers, colleagues, and mid level to more experienced managers to resolve issues and achieve goals
• Lead projects and teams or serve as a peer mentor

Required Qualifications:

• 5+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• MBA Finance (mandatory)/CFA/ Chartered Accountants.
• Min 5+ years of experience in assessing credit worthiness of the borrowers based on qualitative and quantitative factors.
• Distinguishes between critical and irrelevant pieces of information. Gathers information from a variety of sources to reach a conclusion.
• Working Knowledge of Credit Products life cycle specially on commercial loan products.
• Ability to prepare internal memorandums while identifying and mitigating risk
• Strong knowledge of preparation and analysis of projected and proforma based financial statements.
• Strong knowledge on GAAP Accounting / International Financial Reporting Standards
• Sound knowledge of ratio analysis, cash flow, and trend analysis.
• Should have experience of Financial spreading across all the Industries.
• Ability to read & analyze financialstatements.
• Should be able to handle subjectivity in the financial analysis and substantiate with reasons.
• Excellent communication skills.
• Excellent knowledge of MS office application.
• Should be flexible to stretch as per business requirement.
• Able to multi-task to accomplish tasks effectively.
• Analytic skill, attention to detail.
• Ability to work quickly & accurately while maintaining acceptable standards of workmanship.
• Ability to recognize and escalate to management for any process breaches.
• Highly motivated with strong organizational.
• Flexibility to work in different shifts.
• Ability to succeed in a team environment.

Job Expectations:

• Responsible for performing financial analysis, calculating financial covenants, calculating yield, performing industry analysis, performing revenue analysis and preparing the financing memorandum.
• Responsible for independently handling a variety of complex deals.
• Response independently to large and complex issues.
• Works under senior staff on more large and complex deals.
• Has comprehensive product and industry knowledge.
• Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios as well as underwriting, and providing reliable QC of junior team members’ work depending on requirement.
• Impart training to new joiners or team members’ as per requirement.
• Includes end to end responsibility of completing the request received from client includes financial spreading in credit analysis tool, analyzing financial statements, identification of trend and provide financial commentaries on cause and effect on identified trend as per business requirement.
• Responsible to complete Pro forma adjustments based on the projected financial information for assigning credit rating for underwriting requests.
• Responsible for Industry analysis, Internal and external risk factors of the borrower and more importantly a superior business writing and good communication skills.
• Should be able to analyze Company’s management and borrower/ guarantor’s strength & weaknesses.
• Responsible for assessing the repayment capacity of the highly leveraged Borrower’s.
• Responsible for management reporting.
• Proactively identify the process improvement areas and redesign existing processes / process reengineering.

8 May 2025

Wells Fargo Recruitment and Hiring Requirements:

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