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Credit Analyst (Commercial Banking Portfolio Coordinator – Spreading and Pre-Close Covenant Monitoring)

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 a Commercial Banking Portfolio Coordinator in Commercial Banking as part of the Wholesale Lending Operations division.  Learn more about the career areas and lines of business at wellsfargojobs.com .

The Commercial Banking Portfolio Coordinator is responsible for:

  • Spreading Middle Market and Large Corporate financial statements per Generally Accepted Accounting Principles (GAAP) and internal credit policies using prescribed financial analysis software packages.
  • Reviewing loan agreements, creating financial and covenant ticklers, and testing covenants for businesses and individuals to determine compliance.

In this role, you will:

  • Read and understand the accounting within the various types of financial statements
  • Review various types of financial statements and tax returns for completeness prior to spreading
  • Calculate compliance with the financial covenants placed in the customer’s loan agreement.
  • Build reporting requirements written into the customer’s loan agreement.
  • Respond to banker inquiries
  • Contact available sources for additional information when necessary
  • Identify risks and communicate those findings to the front office.
  • Ensure policies and procedures are adhered to

Required Qualification:

  • 2+ years of financial analysis experience, or equivalent demonstrated through one OR  a combination of the following: work experience, training, military experience, education

Desired Qualifications:

  • Intermediate Microsoft Office skills
  • Excellent verbal, written, and interpersonal communication skills
  • Good analytical skills with high attention to detail and accuracy
  • Ability to work effectively, as well as independently, in a team environment
  • A BS/BA degree or higher in business administration, finance, accounting or economics
  • Completion of coursework in Finance and/or Accounting
  • Accounting or finance experience
  • Experience analyzing Generally Accepted Accounting Principles (GAAP), Balance Sheets, Income Statements and Tax Returns
  • Military experience in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting
  • Military intelligence or analytics experience including operational management, project management, mission evolution management and finance management
  • Experience with one or a combination of the following systems: Credit View; Electronic Reporting and Compliance (ETRAC); FLO; EZ Request (EZR); Wholesale Banking Reporting System (WBRS); Business Lending and Sales Tracking (BLAST); Store Vision Platform (SVP); Hogan; Automated Financial Systems (AFS) or Imaging and Content Management Platform (ICMP)

Job expectation

  • Ability to work additional hours as needed
  • Work in one of the posted locations below on a hybrid schedule of 3 days in office / 2 days from home.

Posting Location:

  • 1525 W WT Harris Blvd, Charlotte, NC
  • 4101 Wiseman Blvd, San Antonio, TX
  • 3033 W Elder St, Boise, ID
  • 2700 S. Price Rd, Chandler, AZ

Required locations listed above. Relocation assistance is not available for this position.

Compensation: 

  • Starting pay rate $24 per hour

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, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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.


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