About Wells Fargo India & Philippines Wells Fargo India & Philippines enables global talent capabilities for Wells Fargo Bank NA., by supporting over half of Wells Fargo's business lines and staff functions across Technology, Business Services, Risk Services and Knowledge Services. WIP operates in Hyderabad, Bengaluru and Chennai in India and in Manila, Philippines. Learn more about WIP at our International Careers website. Department Overview Wells Fargo Commercial Capital is a market‑leading provider of working capital, investment capital, trust services, and sales financing solutions that help Wells Fargo customers optimize liquidity and grow their business through their life cycle. Commercial Capital products, services and capabilities are offered by 6,000 team members across the U.S. and the globe through seven core areas; Capital Finance, Commercial Distribution Finance, Corporate Trust Services, Equipment Finance, Renewable Energy & Environmental Finance, Specialty Finance & Strategic Capital. About this role: Wells Fargo is seeking a Commercial Banking Portfolio Associate... 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: Experience in Commercial Banking Portfolio Management, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: CPA/MBA Finance (desired) and bachelor’s degree, equivalent Min 5 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 Job Expectations: Role is following a hybrid set up (temporary) in which the role is required to report into the office at least twice a week Role is following a 5pm-2am shift Monday to Friday Posting End Date: 29 Mar 2024 *Job posting may come down early due to volume of applicants. We Value Diversity At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $1.9 trillion in assets, proudly serves one in three U.S. households and more than 10% of small businesses in the U.S., and is a leading middle market banking provider in the U.S. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 47 on Fortune’s 2023 rankings of America’s largest corporations. In the communities we serve, the company focuses its social impact on building a sustainable, inclusive future for all by supporting housing affordability, small business growth, financial health, and a low-carbon economy. News, insights, and perspectives from Wells Fargo are also available at Wells Fargo Stories. Additional information may be found at www.wellsfargo.com LinkedIn: https://www.linkedin.com/company/wellsfargo For questions on how to search and apply, visit our frequently asked questions.