Job Summary

About this role: Wells Fargo is seeking a Commercial Banking Portfolio Associate

Responsibilities

- Research complex financial and credit information for commercial business, or high net worth customer loan packages, according to business unit standards within Commercial Banking Portfolio Management functional area
- Review basic issues, policies, or procedures for which answers can be quickly obtained, related to low to medium risk tasks and deliverables
- Underwrite loans with aggregate credit exposure based upon approved credit authority limits
- Investigate credit standards and determine credit worthiness of high net worth loans
- Receive direction from supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements
- Collaborate and consult with managers, functional colleagues, and stakeholders including internal as well as external customers

Required Qualifications
- 6+ months of Commercial Banking Portfolio Management 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.
- Valuable knowledge on financial statements for various industries (preferably Real Estate) with ability to ascertain trends,



ratios and call out key risks when compared to benchmarks (historical and industry performance).
- Working knowledge of Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis. Working experience with Moodys Risk Analytics would be a plus.
- Should be aware of key factors which helps in assessing credit worthiness of borrower.
- Excellent communication skills, with special focus on business writing skills for credit reports.
- Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template.

Desired AI Skills and Competencies
- As part of Wells Fargos 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.

📌 Commercial Banking Portfolio Associate (Hyderabad)
🏢 Wells Fargo
📍 Hyderabad