3 Commercial Credit Jobs

About this role: Wells Fargo is seeking a (Senior 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: 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. Quality check of work performed by junior team members and provide appropriate feedback on the same. Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well. Understand the feedback received from the onshore team members and disseminate the same to the team. Required Qualifications: 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 Desired Qualifications: MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics. Atleast 4+ 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). Well versed with 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. Advanced excel skills would be a plus

Job Description: The Loan Operations department is responsible for the management and execution of thousands of Corporate & Syndicated Loan transactions/ Commercial Real Estate/ SBA loans daily. Responsibilities include trade processing & confirmation, settlement, fail management, risk management, and client service. The operations professionals help build and support the commercial loan products, processes and services in ways that improve efficiency and quality, while seeking new and innovative ways to support our clients changing needs. Key responsibilities of the role include facilitating the CRE, C&I, Syndicated and bilateral loan closing, servicing, loan trading and quality review processes. Activities include but are not limited to performing legal documentation review, structuring and updating deal parameters on Loan system, tracking legal and compliance documentation, and providing overall support on the assigned loan portfolio. Loan Operations Specialist is also responsible for ongoing portfolio management tasks including tracking for receipt of borrower financials & compliance, monitoring deal pricing, managing secondary loan sales, tracking and processing loan documentation, and closing deal amendments. This position manages the relationship with the middle office, syndication desk, legal, finance, borrowers and syndicate banks. Loans Operations activities will include but are not limited to: Deal Closing Drive the deal closing process with pre-closing review of credit approval, loan documents, compliance, legal documentation, due diligence, and funding & booking mechanics. Deal Booking - Activities include performing legal documentation review, structuring and updating deal parameters on Loan system to ensure compliance with credit and pricing requirements as well as bank policies and procedures. Deal Funding Activities include Fed wire payments for borrower funding, legal fee payment, fee distribution to the syndicate bank group etc. Deal Review Perform quality review of the loan set-up in the Loan system, while interpreting legal, loan and compliance documentation including credit agreement. Deal Servicing - Activities include processing loan funding, roll-overs, interest rate changes, monitoring/reconciling loan, loan billing, letters of credit, loan payoffs, collateral releases and supporting client requests. Secondary Loan trading - Trading loan via assignment on the term loan facilities, revolving credit facilities etc. Qualification: Bachelor/Masters degree in Commerce, Finance & accounting Work Experience Minimum of 2-12 years’ experience in commercial loan operations or a credit/lending experience within capital markets/Investment banking depending on the levels Knowledge of commercial loan documentation. Ability to review commercial loan documents such as loan/credit agreement, syndicated agreement, intent notices, notes, guaranties, letter of credit, financial documents and security documents for accuracy and agreement with approved terms Knowledge of commercial credit products Knowledge of credit and commercial loan systems. Good verbal, written and organizational skills Detail oriented with ability to multitask and prioritize and work in a team-based environment

Roles and Responsibilities: Work with the Relationship Managers in structuring, analysing, and negotiating credit transactions. Responsible for full cycle underwriting of assigned small business financing. Determine the ability of the client to repay financing based on analysis of the clients cash flow statements, US tax returns (such as 1120, 1120S, 1065, 1040), and other financial information. Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy. Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine assets coverage for requested loan amounts. Coordinate with Relationship Managers regarding customer calls and site visits Perform other due diligence as needed to determine the creditworthiness of a small business owner. Open to Work in Night Shift. Desired Candidate Profile - Bachelors/Master's degree in finance and accounting or related field Formal credit training preferred. Experience working in a financial institution underwriting small businesses; 3+ years in a commercial credit analysis or commercial underwriting role working with small businesses a plus. Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections. Proficient in various spreadsheet and word processing applications (Excel and Word are preferred) including the use of graphs/charts, and Moody's financial analysis software. Basic knowledge of credit principles, lending operations, loan research, due diligence searches such as SOS, Clear report, TLOx Transunion, NYCs, Westlaw/Dockets, Credit bureau reports and general credit policies