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 20 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 Wells Fargo India:
Wells Fargo India enables global talent capabilities for Wells Fargo Bank NA. by supporting business lines and staff functions across Technology, Operations, Risk, Audit, Process Excellence, Automation and Product, Analytics and Modeling. We are operating in Hyderabad, Bengaluru and Chennai locations.

Department Overview:
Corporate Risk helps all Wells Fargo businesses identify & manage risk. Its focus is 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 the Board of Directors in identifying and monitoring risks that may affect multiple LOBs and takes appropriate action when business activities exceed the risk tolerance of the company.

Corporate Credit is responsible for independently overseeing the management of credit risk exposures (including monitoring and reporting on aggregate credit exposures across groups, legal entities, geographies, and jurisdictions) and the quality of credit risk management practices across the company. This oversight extends to all phases of a loan's life cycle, including origination, underwriting, risk analysis, approval, documentation, boarding, monitoring, loss recognition, modification, and collection activities. Corporate Credit is responsible for delegating and/or removing credit and investment approval authorities to the lines of business. More specifically, Corporate Credit develops, maintains and ensures adherence to enterprise-wide credit risk frameworks, policies, and procedures that are aligned with Board-approved risk appetite.

About The Role:

It starts with you. We must attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions. We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.

Risk Asset Review ('RAR') is the company's internal loan review function and is foundational to the credit risk management function at Wells Fargo. RAR independently evaluates the quality of lending practices in the businesses and shares its findings with the Chief Credit Officer and line of business management. RAR reports all significant credit issues to members of the Allowance Approach and Allowance Approval Committees, Executive Management and the Credit Committee of the Board of Directors.


Demonstration of technical competency and a solid understanding of credit analysis. Serves as a resource on RAR's examinations of Wells Fargo's commercial lending businesses and advises RAR management on sensitive examination issues. Evaluates credit administration practices, focuses on significant issues, and demonstrates sound credit judgment. Interaction and communication with line management is tactful and professional.

Duties of Consumer Credit Officer include but are not limited to:

  • Review credit memorandums for commercial lines of business, assessing underwriting quality, quality of credit analysis, portfolio monitoring, problem loan recognition and management, accuracy and timeliness of risk ratings, and adherence to credit policies
  • Perform written credit analysis of various lines of business, including Middle Market Banking, Corporate and Investment Banking, Wealth and Investment Management, and other specialty units
  • Review and interpret complex financial statements and loan documents
  • Effectively communicate credit concerns verbally and via email, with both US-based loan examiners and lines of business

Market Skills and Certifications

Required Qualifications:
  • 7+ years of credit loan experience for a commercial bank or financial institution
  • Strong commercial credit analysis skills
  • Ability to review and interpret complex financial statements and commercial loan documents
  • A BS/BA degree or higher in accounting, finance, or economics
  • Excellent verbal, written, and interpersonal communication skills
  • Strong analytical skills with high attention to detail and accuracy

Desired Qualifications:

  • 8+ years of credit loan experience for a commercial bank or financial institution
  • Strong commercial credit analysis skills
  • Ability to review and interpret complex financial statements and commercial loan documents
  • A Masters degree or higher in accounting, finance, or economics or relevant certifications
  • Excellent verbal, written, and interpersonal communication skills
  • Strong analytical skills with high attention to detail and accuracy

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. 66552


At Wells Fargo, we’ve been proudly supporting military veterans and their families for more than 170 years.

We value the leadership, discipline, and skills you’ve gained through your service to our country and recognize the contributions our veteran team members bring to the table. We’re so committed to hiring and retaining military veterans, veterans with disabilities, National Guard members, and Reservists that we’ve made it our goal is to employ 20,000 veterans by 2020.

As a Wells Fargo team member, you’ll find a work culture that is team-oriented, collaborative, structured, and challenging. We support veterans transitioning from military service with a variety of job options, confidential resources, educational information, and career guidance. You may choose to join our Veteran’s Team Member Network, a group of thousands who share an interest in veterans’ matters, and that promotes greater awareness and job development within the veteran community. To learn more about opportunities at our company, please visit Let’s talk about turning your military experience into a great civilian career.

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