2021 Wells Fargo Financial Analyst Program - Middle Market Banking - Credit Execution and Portfolio

Boise, Idaho
October 17 2020
Job Description

At Wells Fargo, we want to satisfy all our customer's financial needs and help them succeed financially. We're looking for motivated and talented people who will put the customer at the center of everything we do. Join our diverse and inclusive team where you'll feel challenged, valued and inspired to contribute your unique skills and experience.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Commercial Banking provides financial solutions to businesses across the United States and globally, with annual sales generally in excess of $5 million. Its business lines include Middle Market Banking, Commercial Capital, and Treasury Management, as well as the Chief Operating Office and Control organizations which support and monitor the businesses.

Financial Analyst Program Overview

The Financial Analyst Program is a-multi-faceted early talent program that incorporates two avenues to develop you for your future career in Middle Market Banking.
  • The first is a centralized enterprise program that provides four extensive training sessions and coaching to build your analytical and interpersonal skills.
  • The second is a line of business-specific program offered by the Middle Market Banking team in two-stages. The Middle Market Banking program's focus is on credit underwriting skills, as well as, career development and enrichment activities. Our goal is to provide you the knowledge and skills to successfully develop and manage our client relationships.

Middle Market Banking Financial Analyst Program Overview

Development Hub Stage
You will begin your program in our Development Hub located in Charlotte, NC. During this six-month stage, you will participate in numerous credit learning activities and develop your credit underwriting skills through on-the-job credit report preparation. You will also engage in various career development and enrichment activities, such as volunteer events, conversations with senior leaders, discussions with product partners and team building events. Upon successful completion of this six-month stage, you will transition to a Middle Market Banking Office (MMBO), Specialized Industries Team (SI Team), or Credit Execution and Portfolio Management Team (CE&PM Team).

Offers can be for a specific MMBO, SI team, CE&PM team, or a MMB metropolitan area, or region of the country. If a MMB metropolitan or regional offer, your placement location will be determined prior to completion of the six-months in the Development Hub.

Middle Market Banking/Specialized Industries/ Credit Execution and Portfolio Management Office Stage
Upon your transition to a MMBO, SI team, or CE&PM team, you will work alongside experienced Middle Market Bankers to further deepen your knowledge and develop your analytical, underwriting and relationship management skills by actively participating in your team's day-to-day customer and prospect management activities.

Your opportunity in Middle Market Banking

Wells Fargo Middle Market Banking delivers a comprehensive suite of products and industry expertise to serve the diverse financial needs of companies with annual sales typically ranging from $5 million to $2 billion. As a leader in serving commercial customers, Wells Fargo offers financial services including credit and treasury management solutions as well as specialized expertise across industries throughvarious platforms. This opportunity is for the following platform:
  • Credit Execution and Portfolio Management (CE&PM): Three groups within this team provide consistent, efficient, and comprehensive credit underwriting and portfolio management support to Middle Market Banking's customers. The groups include Credit Services, Portfolio Services, and Real Estate Portfolio Services.

Y our Role as a Middle Market Banking Financial Analyst
  • Analyze the strengths and weaknesses of a company's business and management team
  • Conduct in-depth industry research to identify key drivers, challenges, and trends that are most relevant
  • Monitor and evaluate customer financial and operational performance and how each may impact overall risk management and assessment
  • Partner with relationship managers to structure multi-million dollar credit transactions
  • Prepare credit underwriting memorandums, including recommendations, key risk factors, sources of repayment, cash flow modeling, leverage profile assessment and ability to service debt
  • Review legal documentation that outlines the terms and conditions of approved loans
  • Assess and understand client needs to effectively identify other Wells Fargo products and services that can help clients achieve their goals
  • Engage in creative thinking and idea generation to prepare discussion materials that focus on issues impacting the company and prepare relationship managers for client or prospect dialogue
  • Participate in customer meetings, due diligence visits and other client interactions to gain exposure to company management teams and their interactions with senior bankers, if you are in a MMBO or SI office.


Financial analysts who successfully complete the program are on their way to a long-term career. The program is ideal for preparing you for a relationship or credit risk management role, in which you will support customer relationships by working with a customer's business principals to understand their short- term and long-term needs and to structure the financing and banking products that help them achieve their goals.


For additional information about the Financial Analyst Program and the various businesses of Wells Fargo, please visit: https://www.wellsfargojobs.com/university-programs

** Those considered for the program will be a recent graduate or a Bachelor's degree candidate with an expected graduation date in December 2020, to start in January 2021 **

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.

Wells Fargo will only consider candidates who are presently authorized to work for any employer in the United States and who will not require work visa sponsorship from Wells Fargo now or in the future in order to retain their authorization to work in the United States.

Required Qualifications

  • 6 months of experience in one or a combination of the following: financial analysis, credit analysis, statistical analysis, or statement spreading demonstrated through work or military experience; or BS/BA degree or higher granted prior to hire date

Desired Qualifications

  • Ability to work in a fast-paced deadline driven environment
  • Effective organizational, multi tasking, and prioritizing skills
  • Excellent verbal, written, and interpersonal communication skills
  • High level of initiative and accountability
  • Intermediate Microsoft Office skills
  • Solid problem solving and decision making skills
  • Strong analytical skills with high attention to detail and accuracy

Other Desired Qualifications
  • Bachelor's Degree with an expected graduation date in December 2020
  • Proven leadership, self-motivation and success through internships, part-time or full-time work, and/or extracurricular activities


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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