Job Title:Sr. Credit AnalystJob ID Number:5270504-1Location:Chicago,ILJob Description:Job Description Wells Fargo Commercial Distribution Finance (WFCDF) Wells Fargo Commercial Distribution Finance (CDF) provides inventory financing solutions, service and intelligence through in-depth industry expertise and a commitment to customers. As a leading provider in specialized financing and servicing solutions, CDF delivers when it comes to helping facilitate the manufacturing, distribution and sale of products across a variety of industries from Powersports, Marine and Recreational Vehicles, to Outdoor Lawn & Garden, Agriculture, Technology, and Electronics & Appliances. Role Summary: The Sr. Credit Analyst will complete customer due diligence in accordance to corporate policy, conducting research, financial modeling and analysis and managing documentation for commercial transactions for the scheduled pay plan business (formerly GE Capital). Responsibilities: Negotiate terms and conditions for transactions and work with deal teams to ensure appropriate documentation is in place Manage existing commercial accounts, perform rigorous analysis of transactions, and resolve problem accounts in partnership with deal teams Prepare risk assessments and present to senior management with a clear and consistent approach to mitigate risks Interface with customers to obtain needed information, resolve credit related issues, and minimize potential losses Monitor accounts (along with the account team) to ensure on-going compliance with loan agreements Other projects and assignments as requested including, but not limited to, portfolio analysis to ensure compliance and portfolio reporting Team members 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. Desired Qualifications Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills Other Desired Qualifications 5+ years of work experience in commercial underwriting, including cash flow analysis, collateral analysis, and financial analysis in secured lending Analytical skills: ability to analyze unstructured/complex problems using quantitative analysis Communication skills: ability to write and speak in a concise and cogent fashion. Ability to make and deliver presentations to executives and external clients Cross-functional teamwork: ability to pull together teams comprised of individuals from multiple functional backgrounds and drive results Bachelor's Degree in Accounting, Finance or Business Administration preferred 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.
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