Job Description

About the Role

The work involves performing Financial Analysis, preparing the financing memorandum, structuring & closing ABL transactions, handling a variety of complex transactions. Works independently on moderately to complex issues and projects. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios.

6+ years of experience in one or a combination of the following:

End to end credit lending services for commercial loans, credit underwriting specialized senior secured financing, accounts receivable financing and purchase order financing to companies and use qualitative and quantitative metrics to arrive at Rating of Borrowers

Responsibilities

• Responsible for performing financial analysis, calculating financial covenants, calculating yield, performing industry analysis, performing revenue analysis and preparing the financing memorandum
• Supporting origination function by focusing on the credit write-up process, structuring and closing ABL transactions
• Responsible for independently handling a variety of complex transactions.
• Response independently to large and complex issues.
• Experienced negotiator, underwriter, Loan closer with complex account Mgmt. experience
• Works under senior staff on more large and complex transactions
• Has comprehensive product and industry knowledge
• Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios as well as underwriting, and providing reliable QC of junior team members\' work depending on requirement.
• Includes end to end responsibility of completing the request received from client includes financial spreading in credit analysis tool, analyzing financial statements, identification of trend and provide financial commentaries on cause and effect on identified trend as per business requirement
• Responsible to complete Pro forma adjustments based on the projected financial information for assigning credit rating for underwriting requests
• Responsible for Industry analysis, Internal and external risk factors of the borrower and more importantly a superior business writing and good communication skills.
• Should be able to analyze Company\'s management and equity sponsors\' strength & weaknesses.
• Responsible for assessing the repayment capacity of the highly leveraged Borrower\'s.

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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, age, 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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