Commercial Bank ABL Portfolio Analyst

• Assist with financial modeling and projections, credit analysis, and industry or business risk analysis, in support of loan structuring decision making activities for mid-sized companies, large corporations, and real estate developers
• Research, examine, and interpret customer portfolio, competitors, and related industry in order to prepare a comprehensive credit report opinion
• Review and interpret credit policies and procedures and incorporates requirements into credit analysis, observations and lending recommendations
• Support senior staff in credit underwriting which accounts for all risk factors and providing risk rating recommendations
• Support senior staff to monitor and maintain an existing loan portfolio which includes ongoing interpretation and analysis of financial information to determine borrower compliance
• Review basic issues, policies, or procedures for which answers can be quickly obtained and are related to low to medium risk tasks and deliverables within Commercial Banking Portfolio Management - Program functional area
• Receive direction from supervisor and exercise independent judgement while developing understanding of Commercial Banking Portfolio Management Program functional area, policies, procedures and compliance requirements
• Collaborate and consult with Commercial Banking Portfolio Management - Program managers, functional colleagues, and stakeholders, including internal and external customers
• Communicate with product partners and prepare materials for prospective and client presentations

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

• Bachelor's degree in finance, accounting or related business degree
• Portfolio, Underwriting or field exam experience with Asset Based Lending
• Completion of Commercial Banking Financial Analyst Program
• Commercial account relationship management experience
• Intermediate knowledge and understanding of core banking products: deposits, commercial credit, and treasury
• Basic understanding of financial accounting
• Foundational ability to interpret financial statements, summarize findings and structure credit transactions
• Experience with underwriting moderately complex credit and debt structure
• Excellent verbal, written, and interpersonal communication skills
• Effective time management and organization skills
• Ability to work in a fast-paced deadline driven environment
• High level of initiative and accountability
• Proactive, persistent, organized, and results oriented
• Sound problem solving and decision-making skills
• Comprehensive knowledge and understanding of Risk Management
• Ability to represent Wells Fargo with confidence, positive energy, and clear communication in the marketplace
• Ability to build and maintain productive working relationships with internal partners
• Intermediate Microsoft Office skills