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Distribution Finance Underwriter

  • Client Management
  • Full time
  • R-185484

Responsibilities :

  • Underwriting dealer and vendor opportunities including MNCs assessing both the credit risk profile of potential customers and historic operational in-life performance where increases to existing facilities are requested
  • Providing guidance and support for more junior underwriters and the Commercial team
  • Carrying out rigorous annual risk reviews of existing customers, incorporating credit risk assessment and in-life operational performance
  • Lead the deal structuring discussions with Commercial based on risk profile of the customer and internal strike zone
  • Liaising closely with cross-functional colleagues to ensure timely and thorough underwriting assessments
  • Liaising with customers for due diligence
  • Acting timeously upon 3rd party information which could have an adverse impact upon the risk profile of existing customers
  • Supporting the new business teams on customer visits where PMU presence is deemed appropriate due to the size or risk profile of particular deals
  • Lead in preparation and presentation of  formal credit approval request to requisite approval authorities as well as manage and administer the deal approval process
  • Manage & administer initial legal documentation of transaction, security registration, and insurance cover application and approval, and other form of credit enhancement incl. cash deposits
  • Build awareness and experience of credit insurance as a key risk mitigant.

Requirements :

  • 3+ years of proven experience in commercial credit underwriting or financial analysis
  • Fluency in English (able to write reports in English to high standard) & Mandarin
  • Strong teamwork values and strong work ethic and commitment
  • Professional customer / associate / colleague relationship skills
  • Multi-skilled and versatile with ability to manage multiple tasks
  • Ability to work proactively to solve problems and work independently
  • Able to work under tight schedules to a high quality and consistently meet objectives.
  • Clear concise written & oral communication
  • Proficient in MS Office Suite (Word, Excel, PowerPoint) programs
  • Readily able to adapt to using business tools to support role e.g., Business Objects, AIMS.
  • Understand products/services offered
  • Work within the framework of company regulations e.g. data protection, ensuring compliance at all times
  • Ability to stay abreast of market and portfolio trends and industry best practices

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, 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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