Job Description :
About Wells Fargo
Wells Fargo & Company (NYSE: WFC) is a leading global financial services company headquartered in San Francisco (United States). Wells Fargo has offices in over 30 countries and territories. Our business outside of the U.S. mostly focuses on providing banking services for large corporate, government and financial institution clients. We have worldwide expertise and services to help our customers improve earnings, manage risk, and develop opportunities in the global marketplace. Our global reach offers many opportunities for you to develop a career with Wells Fargo. Join our diverse and inclusive team where you will feel valued and inspired to contribute your unique skills and experience. We are looking for talented people who will put our customers at the center of everything we do. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.
Market Job Description
About WFIP
WFIP 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. WFIP operates in Hyderabad, Bengaluru and Chennai in India and in Manila, Philippines. Learn more about WFIP at our .
Department Overview

Wells Fargo Middle Market Banking delivers a comprehensive suite of products and industry expertise to serve the diverse financial needs of companies with annual sales typically ranging from $5 million to $2 billion. As a leader in serving commercial customers, Wells Fargo offers financial services including credit and treasury management solutions as well as specialized expertise across industries including Technology, Food, Beverage & Agribusiness, Investor Real Estate and Government.
About the Role

Performs activities related to Commercial Real Estate loans, which includes analyzing the performance of a property/portfolio based on review of client provided data, market research and LOB specific lending guidelines.
Responsibilities

Responsibility includes, but not limited to:

  • Evaluate financial performance of borrower / guarantor based on a variety of factors and determining an appropriate risk rating, both qualitative and quantitative. This would include review of financial statements, such as balance sheet, income statement and compare it against LOB provided guidelines.
  • Evaluate existing leases within the property to determine possible impact on cash flows by reviewing for pertinent clauses, such as termination options / go dark.
  • Review loan documents and summarize salient facts of the loan and ongoing covenants (both financial and non-financial) to be maintained by the borrower.
  • Identify any exception based on LOB provided lending guidelines and document them.
  • Perform market research of real estate using various third party applications and compare performance of subject property against market data to draw conclusion of overall performance.
  • Review third party documents, such as appraisal, site inspection report, property condition assessment report to infer overall performance of the property and identify significant factors which may impact asset.
  • Document and synthe all of the findings based on above mentioned reviews.
  • Quality check of work performed by junior team members and provide appropriate feedback on the same.
  • Understand the feedback received from the onshore team members and disseminate the same to the team.
  • Provide training to the team members and educate them on the tough scenarios.
  • Analytical bend of mind and ability to draw pattern from discrete set of data.

Essential Qualifications

  • 4 to 6 years of overall experience in commercial real estate industry.
  • Ability to read, comprehend and synthe data regarding property performance / market related information from multiple sources into one prescribed template.
  • Knowledge of mortgages, real estate market, and financial lending.
  • Sound understanding of commercial credit analysis techniques including cash flow analysis, financial concepts and valuation of collateral.
  • Good knowledge with excel skills with ability to develop and comprehend complex function and macros.
  • Excellent communication skills, with good comprehension and business writing skills.
  • Analytical bent of mind and ability to draw pattern from discrete set of data.


Desired Qualifications

  • Master Degree in Accounting, Finance, Economics or CA Inter.
  • Any professional certification in Finance/Accounting/Economics would be a plus

Certification in VBA/Advanced Excel would b
Market Skills and Certifications
We Value Diversity
At Wells Fargo, we believe in diversity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national or ethnic origin, age, disability, religion, sexual orientation, gender identity or any other status protected by applicable law. We comply with all applicable laws in every jurisdiction in which we operate.


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