At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity, and inclusion in a workplace where everyone feels valued and inspired. Help us build a better Wells Fargo.

It all begins with outstanding talent. It all begins with you.

About this role:

Wells Fargo is seeking Commercial Banking Associates to join 2024 Program in our Technology Banking Division. Technology Banking practice has been at the center of the Technology ecosystem for over 20 years. As a financial service provider, Wells Fargo delivers a complete range of capital, advisory, risk management, and operating solutions tailored to help each client achieve their business and financial goals. Our sector expertise supports a growing portfolio of clients in the fintech, software, hardware, internet and digital, business technology services and sustainable technology. Our team of 100 industry professionals is focused on building long term relationships to support technology companies scale through all stages of their lifecycle.

Program Overview:

The Commercial Banking Associate Program is designed to support the development of the next generation of Commercial Relationship Managers. During the two-year program, Associates will be paired with a select group of Senior Relationship Managers (RMs) in Client Coverage business line and work in an apprentice model to support the portfolios of Senior RM’s. Associates will work on all facets of relationship management including credit underwriting of existing clients, new client acquisition, sales support, engaging with product partners, and effective sales monitoring/tracking. Upon completion of the program, Associates may have the opportunity to progress into RM role.

We are recruiting for the following locations and managers:

San Francisco, CA - Kim Crosslin

Los Angeles, CA - Dave Stolpe

Boston, MA - Tom Harper

In this role, you will:

• Interpret and analyze borrower financial information.
• Underwrite and close commercial loans.
• Research, examine and interpret customer portfolio, competitors, and related industry to prepare comprehensive credit reports.
• Review and interpret credit policies and procedures.
• Risk rate borrowers and loans/products.
• Perform financial modeling, projections, and credit research for loan structuring.
• Develop and maintain client relationships.
• Review basic or tactical issues, policies or procedures for which answers can be quickly obtained, related to low-to-medium risk tasks and deliverables.
• Communicate with product partners and prepare materials for prospective and client presentations.
• Identify opportunities and strategies for process improvement and risk control development.
• Receive direction from leaders and exercise independent judgment while developing the knowledge to understand functions, policies, procedures, and compliance requirements.
• Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.

Required Qualifications, US:

6 months of Commercial Relationship Management or Credit Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Possesses strong credit acumen
• Experience with underwriting moderately complex credit and debt structure
• Comprehensive knowledge and understanding of Risk Management
• Intermediate knowledge and understanding of core banking products: deposits, commercial credit, and treasury
• Represents Wells Fargo with confidence, positive energy, and clear communication in the marketplace
• Commercial account relationship management experience
• Ability to build and maintain productive working relationships with internal partners
• 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
• Intermediate Microsoft Office skills

Job Expectations:

• Ability to travel up to 10% of the time

Pay Range

Benefits

Wells Fargo provides all eligible full- and part-time employees with a comprehensive set of benefits designed to protect their physical and financial health and to help them make the most of their financial future. Visit Benefits - Wells Fargo Careers for an overview of the following benefit plans and programs offered to employees.

• 401(k) Plan
• Paid Time Off
• Parental Leave
• Critical Caregiving Leave
• Discounts and Savings
• Health Benefits
• Commuter Benefits
• Tuition Reimbursement
• Scholarships for dependent children
• Adoption Reimbursement

Posting End Date:

*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.

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.