Senior Commercial Banking Portfolio Manager, Wells Fargo

Wells Fargo

Location:
India, Bengaluru

Category:
Banking

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

Wells Fargo is seeking a Senior Commercial Banking Portfolio Manager. The role involves financial research, credit analysis, preparing financial projections, and assessing risk for complex deals within commercial banking. The candidate will handle industry analysis, financial trending, compliance requirements, mentoring junior staff, and more. The position emphasizes diversity, equity, inclusion, and professional growth.

Job Responsibility:

Participate in performing financial research, underwriting, and structuring of highly complex private banking as well as consumer and mortgage relationships within Commercial Banking Portfolio Management functional area
Review and research business financial statements and tax returns that require an in-depth evaluation of multiple factors
Resolve moderately complex issues and lead Commercial Banking Portfolio Management team, to meet project deliverables, while leveraging solid understanding of the function, policies, procedures, and compliance requirements
Collaborate and consult with Commercial Banking Portfolio Management peers, colleagues, and mid level managers to resolve issues and achieve goals
Lead projects and teams or serve as a mentor for less experienced individuals
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
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

Requirements:

4+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
MBA Finance (mandatory)/CFA/Chartered Accountants
Min 8+ 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 financial statements
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

What we offer:

Diversity, equity and inclusion in the workplace
Support for individuals with disabilities
Proactive monitoring and governance
Risk compliance and escalation adherence
Career growth opportunities in a supportive environment

Additional Information:

Job Posted:
April 26, 2025

Expiration:
May 30, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Senior Commercial Banking Portfolio Manager

Wells Fargo

Location:India, Bengaluru

Category:Banking

Contract Type:Employment contract