Commercial Banking Portfolio Manager

About this role:

Wells Fargo is seeking a Commercial Banking Portfolio Manager. We believe in the power of working together because great ideas can come from anyone. Through collaboration, any employee can have an impact and make a difference for the entire company. Explore opportunities with us for a career in a supportive environment where you can learn and grow.

In this role, you will:

• Research complex credit investigations and diverse credit information for loans
• Identify opportunity for process improvements within scope of responsibilities or functional area
• Review and identify basic operational assignments that require research, evaluation, and selection of alternatives while exercising independent judgement to guide medium risk deliverables
• Present recommendations for resolving complex situations and exercise independent judgement while developing expertise in the function, policies, procedures, and compliance requirements
• Collaborate and consult with functional colleagues, internal partners, and stakeholders including internal as well as external customers

Required Qualifications:

• 2+ 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 (FinanceBanking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics.
• 2+ years 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).
• Good knowledge of Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis. Working experience with Moodys Risk Analytics would be a plus.
• Experience in assessing credit worthiness of borrower based on various qualitative and quantitative factors
• 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.
• Intermediary to advanced excel skills would be a plus

Job Expectations:

• 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, both qualitative and quantitative based on performance during the review time period and compare it against banks 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.
• Quality check of work performed by junior team members and provide appropriate feedback on the same.