About this role:

Wells Fargo is seeking a Credit Portfolio Consultant.

In this role, you will:

• 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

Required Qualifications:

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

Desired Qualifications:

• 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.

Job Expectations:

• 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.

Required AI Skills and Competencies

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.

Posting End Date: 

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

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 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.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.