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Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides asset management, capital raising and advisory, financing, foreign exchange, payments, risk management, and trade finance services to support customers who conduct business in the global economy. At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We also value the viewpoints of our team members and encourage them to be their best. Join our diverse and inclusive team where you will feel valued and inspired to contribute your unique skills and experience. We are looking for talented people who will put our customers at the center of everything we do. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Learn more at our International Careers website .
Market Job Description
Principally responsible for supporting Wells Fargo EMEA Energy team in the origination and ongoing management of the team's portfolio of Energy industry customers.
Key to the role is the ability to assist the transition of lending opportunities through the analysis stage, working with Team Members and Risk colleagues to prepare credit submissions for formal decisions; documenting approved transactions in conjunction with internal & external legal advisors; and meeting ongoing portfolio management responsibilities.
Offer continued support for the team as it seeks to build customer relationships balanced with a strong risk mitigating and compliance-driven culture that firmly establishes those disciplines as critical to the success of our customers and company. Accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational and Regulatory Compliance), which includes following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues. Emphasis on proactive monitoring, governance, risk identification and escalation in keeping with the business unit's risk appetite and all risk and compliance program requirements.
Key responsibilities include monitoring the credit quality of the portfolio and helping underwrite new and existing credits including identification of key risk factors as well as the development of financial projection models. Actively involved in the preparation of all credit approval documents, including due diligence, risk analysis, risk rating, underwriting, return analysis and business case, presentation and deliberation with credit, legal documentation and coordination with product partners when applicable. Engage in direct contact with internal stakeholders to:
Market Skills and Certifications
Provide ongoing, monitoring, maintenance and management of the portfolio. Post deal portfolio maintenance includes liaising and building strong relationships with back office and middle office teams in the UK, Ireland and US to help manage all ongoing operational matters.
Interpreting credit policies & procedures and incorporating requirements into credit analysis and lending recommendations.
Working closely with the team's Senior Relationship Managers, assume supporting role in preparation and input of credit papers and internal presentations of transactions to the Bank's key stakeholders, senior management and Credit Approvers.
Assist with ongoing preparation and accuracy of management reporting.
Understanding of energy industries and the forces acting on them in order to recognise issues faced by the client base and the impact on their credit profiles.
Establish, critically review and manipulate Excel-based financial cash flow models to assist with credit analysis.
Identify and assess key risks associated with Energy customers, both corporate clients and secured transactions and structures.
Responsible for the accurate preparation of credit submissions including review of due diligence material and return calculations.
Develop a strong understanding of internal operational matters to ensure the timely preparation and submission of ongoing portfolio management functions - annual reviews, waiver / consents requests, redeterminations and ad hoc internal reporting requirements etc.
By development of a strong understanding of the Bank's product range and maintaining a close relationship with product partners, help strengthen and deepen existing client relationships
Identify and assist with the marketing of opportunities for Wells Fargo Group products including supporting th e relationship team to develop effective calling strategies for existing clients and prospects.
Work with UK and US team members to deliver the Bank's strategy and to expand the client base. Provide assistance on the development of product & industry strategies.
Provide support to develop client-focused presentations (including marketing pitches, relationship reviews and discussion papers) based on company specific research, analysis with a view to leveraging the Bank's product capabilities.
Support the preparation of financial & capital structure analysis to identify client's financial service needs.
Degree in Business, Finance, Economics, Law, Geoscience, Engineering or similar.
Understanding of corporate finance principles and capital structuring issues.
Aptitude in excel based financial modelling with specific experience in Discounted Cash Flow modelling being a distinct advantage.
Credit analytical skills.
High attention to detail and accuracy.
Excellent oral and written communication skills.
Proven presentation skills.
Post graduate qualifications.
Track-record of working in deal teams including identifying and mitigating credit risk and preparation and submission of credit reports.
Understanding of the European Energy industry and the key drivers affecting this sector.
Underwriting experience in Europe with companies in the energy industry.
Knowledge of project financing preferably in the infrastructure sectors.
Working knowledge of banking products including Treasury Management, Debt Capital Markets, Loan Syndication, Interest Rate and Commodity Risk management and Foreign Exchange.
We Value Diversity
At Wells Fargo, we believe in diversity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national or ethnic origin, age, disability, religion, sexual orientation, gender identity or any other status protected by applicable law. We comply with all applicable laws in every jurisdiction in which we operate.