Job Summary

Wells Fargo is seeking a Credit Portfolio Consultant.

Responsibilities

- 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.
- Robust 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.

📌 Credit Portfolio Consultant (Hyderabad)
🏢 Wells Fargo
📍 Hyderabad