Credit Portfolio Consultant

Wells Fargo is seeking a Credit Portfolio Consultant.

• Participate in less complex consulting services and identify opportunity for providing credit and portfolio expertise
• Identify and assess credit performance, as well as potential and emerging risks, and partnering on credit and portfolio strategies within the scope of responsibilities
• Review and analyze credit performance or credit portfolio that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables
• Present recommendations for resolving more complex situations and exercise independent judgment while developing expertise in credit consulting services
• Collaborate and consult with functional colleagues, internal partners, and stakeholders, including internal or external customers
• Work with business partners, provide analytic solutions, and develop strategies to support or negate change recommendations

• 4+ years of Credit Portfolio Consulting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics.
• 4+ years of overall commercial credit experience across diversified asset classes (includes corporate entities and real estate asset class).
• Sound knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance).
• Strong communication skills
• Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources.
• Able to proactively identify potential issues or red flags within the control environment and escalate concerns in a timely manner.
• Demonstrates the ability to understand issues end-to-end and accurately articulate problems, root causes, and impacts to Operations teams and business stakeholder
• Hands-on experience or working knowledge of platforms such as AFS, Loan IQ, LUCAS, CHOICE, Collateral360, nCino, and ICMP is strongly preferred.
• Strong understanding of data review, remediation, and reconciliation within Commercial with rigorous data investigations conducted to identify, analyze, and resolve discrepancies.
• In-depth understanding of systems of origin within Commercial Banking, specifically MCSI and Capital Finance, ensuring data integrity, consistency, and alignment across reporting and downstream processes.
• Strong analytical approach with critical interpretation of regulatory instructions (FR Y-14Q/M) and translated into clearly defined data validation and review requirements, supported by solid understanding of credit products and internal credit policies.
• Robust understanding of risk rating frameworks and governance processes with structured analysis performed to ensure accurate risk classification and adherence to established control and compliance expectations.
• Understands audit trail concepts and maintains appropriate documentation and evidence to support internal and external audits, including timely and accurate responses to audit requests.
• Operates with a strong One Team philosophy, collaborating effectively across functions and contributing positively to shared objectives.
• Intermediary to advanced Excel skills would be a plus.

• The role involves supporting the Credit Underwriting and Portfolio Monitoring processes to ensure adherence to applicable credit policies and procedures.
• This team will provide secondary credit review and detective control of credit policies and associated process-related procedures for the line of business loan portfolio.
• The role also involves seeking opportunities to recommend process improvement in support of the risk management priorities of the bank.
• Perform reviews of credit reports prepared by credit underwriting teams and support oversight of related loan data.
• Review and validate the accuracy in financial analysis for commercial loans
• Summarize errors and outline areas of risk from reviewing the credit underwriting details.
• Accurately identify applicable credit policy exceptions by reviewing the credit documents.
• Surface and escalate risk often identified from inadequate or failed processes, and error trends.
• Clarify and credibly challenges in case of ambiguity or deviation to the policy and procedures.
• Document and synthesize findings based on above mentioned conclusions into a report presented to credit underwriting team.
• As needed, participate and provide SME expertise for business initiatives.
• Understand the feedback received from the senior reviewers in the team and implement the same in their day-to-day work.
• Quality-check the work performed by junior team members and provide appropriate feedback on the same
• Basic understanding of governance, risk management, and control assessment concepts, and applies this knowledge in day-to-day execution.

As part of Wells Fargo's commitment to innovation and responsible AI adoption, all roles require foundational AI literacy. This includes:

• Understanding and Application of AI Tools: Ability to leverage AI platforms (e.g., Microsoft Copilot, GitHub Copilot, Tachyon, Agentspace) for routine tasks such as summarizing information, drafting content, and analyzing data, while maintaining human oversight.
• Critical Thinking: Ability to interpret AI outputs, validate insights, and make informed business decisions.
• Responsible AI Use: Awareness of ethical considerations, data privacy, and compliance when using AI solutions.
• Adaptability and Continuous Learning: Commitment to upskilling and staying current with emerging technologies.