Wells Fargo Commercial Banking Portfolio Associate 

India, Karnataka, Bengaluru 

996139741

In this role, you will:

• Research complex financial and credit information for commercial business, or high net worth customer loan packages, according to business unit standards within Commercial Banking Portfolio Management functional area
• Review basic issues, policies, or procedures for which answers can be quickly obtained, related to low to medium risk tasks and deliverables
• Underwrite loans with aggregate credit exposure based upon approved credit authority limits
• Investigate credit standards and determine credit worthiness of high net worth loans
• Receive direction from supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements
• Collaborate and consult with managers, functional colleagues, and stakeholders including internal as well as external customers

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:

• At least a B. Com or an equivalent degree preferably MBA
• Sound analytical thinking / high attention to detail with focus on research across various platforms
• Demonstrates strong ownership of work, ability to work independently, able to taken judgement calls with realistic assumption and ability to articulate and present in the narratives.
• Strong communication skills – both verbal and written.
• High level of personal motivation, strong interpersonal skills to work across time zone
• Must be comfortable working independently and as part of a team
• Advanced excel skills would be a plus

Job Expectations:

• Support performance and overall effectiveness of team, as well as cross-group administrative operations
• Provide feedback and present ideas for improving or implementing processes and tools within Commercial Banking Portfolio Management
• Review credit information of loans for companies and industries
• Perform or guide others on complex tasks or initiatives that require planning, evaluation, and interpretation
• Independently prioritize work and provide day-to-day-work leadership and mentorship to team
• Lead or contribute to implementation of new or revised processes and procedures
• Provide guidance and subject matter expertise to immediate team and Commercial Banking Portfolio Management on wide range of information
• Knowledge on C&I, CRE and Leverage Lending loans and regulatory reporting
• Review financial documents and loan agreements to determine if all required or eligible alternative documents are available to complete the annual review.
• Ability to understand various financial documents including but not limited to company prepared financial statements, CPA prepared financial statements, 10K & 10Qs and U.S tax returns.
• Should be able to review collaterals, covenants and identify certain loan types to determine all the necessary documents required to perform underwriting work.
• Deliver quality work product within agreed upon timelines.
• Ability to properly escalate issues or complaints in a timely manner.
• Working knowledge on nCino, Credit View and ICMP application is an added advantage.
• Fundamental knowledge of investor and owner-occupied real estate transactions is an added advantage
• Quality check of work performed by junior team members and provide appropriate feedback on the same.
• Understand the feedback received from the onshore team members and disseminate the same to the team. Update procedures as and when required to leverage for future reference.
• Able to support his/her FLM in preparing the internal reports like performance report, Daily/Weekly Monthly reports and dashboards
• Prepare/design training programs, learning curve design withexamples/samples/test
• Prepare PDP packs, process documents should be up to date and email should sent to onshore partners for the approval.

28 Mar 2025

Wells Fargo Recruitment and Hiring Requirements:

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