Wells Fargo Commercial Banking Portfolio Associate 

India, Karnataka, Bengaluru 

99331305

In this role, you will:

• Evaluate financial performance of companies / borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the time period.
• This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity.
• Perform market research using various third party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance.
• Determine appropriate risk rating, qualitative and / or quantitative based on performance during the review time period and compare it against bank’s credit guidelines.
• Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees.
• Understand the feedback received from the reviewers and implement the same in their day-to-day work.

Required Qualifications:

• 6+ months 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 /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics.
• 6+ months of overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class)
• Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance).
• Working knowledge of Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis. Working experience with Moody’s Risk Analytics would be a plus.
• Should be aware of key factors which helps in assessing credit worthiness of borrower
• Excellent communication skills, with special focus on business writing skills for credit reports.
• Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template.

Wells Fargo Recruitment and Hiring Requirements:

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