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Commercial Credit Risk Officer 2 - National Accounts Commercial Credit Team

Company: Wells Fargo Bank
Location: Gastonia
Posted on: January 15, 2020

Job Description:

Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. - In order to receive text message invitations, your profile must include a mobile phone number designated as "Personal Cell" or "Cellular" in the contact information of your application.At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk. - The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.The National Accounts Commercial Credit Team supports the largest and most complex commercial relationships in the Wells Fargo Auto portfolio from a Risk Management and underwriting perspective. - The $5Bn portfolio consists of multiple syndicated credits as well as loan participations and large senior secured relationships. - The Team consults with and seeks to grow with the largest public, mega-capitalization, private equity and family office businesses in the auto retailing and related spaces as consolidation concentrates ownership in the sector. -The Commercial Credit Risk Officer 2 position is responsible for completing customer due diligence in accordance to corporate policy, conducting research, financial modeling and analysis and managing documentation for commercial transactions for Wells Fargo Auto. - Responsibilities will include: underwriting of complex commercial lending transactions, analyzing client and prospect financial performance (both historical and future), monitoring existing client performance and identifying relevant business, market and other commercial credit risks faced by the customer. - The Commercial Credit Risk Officer 2 should be able to provide detailed analysis identifying key risks and mitigants and make recommendations following the company's risk appetite and interpreted through expert judgement. - - This is done primarily through the preparation of a credit memorandum.Job Responsibilities:Primarily focused on clients and prospects with credit commitments > $100,000,000

  • Determine the credit worthiness of prospective clients by analyzing financial statements, projections, appraisals, meeting and interviewing the prospective client's management team, analyzing and obtaining a detailed understanding of the prospective client's cash flows and balance sheet, leverage and key risks.
  • Prepare credit memos in an organized and concise manner and present recommendations to senior approvers that balance marketability with prudent risk management and solid judgement.
  • Manage and monitor a portfolio to ensure on-going compliance with loan agreements, covenants and payoff requirements and resolve problem accounts in partnership with deal teams.
  • Negotiate appropriate terms and conditions for large and complex transactions and work with deal teams to ensure appropriate documentation is in place.
  • Identify critical transactional and structural risks and propose appropriate structuring alternatives to mitigate those risks.
  • Ensure compliance with all policy and regulatory requirements.
  • Independently manage workflow to balance competing priorities and ensure all deadlines are met. - Other projects and assignments as requested including, but not limited to, portfolio analysis to ensure compliance and portfolio reporting.

    Required Qualifications
    • 8+ years of lending experience

      Desired Qualifications
      • A Masters of Business Administration (MBA)
      • Strong analytical skills with high attention to detail and accuracy
      • Excellent verbal, written, and interpersonal communication skills
      • Solid negotiation skills
      • Ability to work independently
      • Commercial bank relationship management experience

        Other Desired Qualifications
        • Familiarity with the automotive sector
        • 10+ years of commercial lending and underwriting experience
        • Experience with bank syndications, multi-bank participations and clients with varying and complex capital structures including familiarity with collateral and cash flow waterfalls -

          Job Expectations
          • Ability to travel up to 5% of the time

            Street Address
            MN-Minneapolis: 600 S 4th St - Minneapolis, MN
            NC-Winston Salem: 100 N Main St - Winston Salem, NC
            MN-Saint Paul: 670 Mcknight Rd N - Saint Paul, MN
            NC-Charlotte: 550 S Tryon St - Charlotte, NC
            IL-Chicago: 10 S Wacker Drive - Chicago, IL
            GA-Atlanta: 1100 Abernathy Road - Atlanta, GA
            GA-Atlanta: 171 17th St Nw - Atlanta, GA
            CO-Denver: 1740 Broadway - Denver, CO
            MD-Frederick: 8480 Stagecoach Cir - Frederick, MD
            TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
            VA-McLean: 1753 Pinnacle Dr - Mclean, VA


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Keywords: Wells Fargo Bank, Gastonia , Commercial Credit Risk Officer 2 - National Accounts Commercial Credit Team, Other , Gastonia, North Carolina

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