Colletaral Analyst

London, UK
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  • 12 August 2022

About the Job

Opportunity for a recent graduate to join our team as a Collateral Analyst.

As a member of the Wells Fargo Asset Based Lending (“WF ABL”) Team you will demonstrate leadership through contributing to a company culture that supports customers in achieving their financial goals, team members in developing their careers, and communities in continuing to thrive.

WF ABL provides senior debt facilities secured against various assets of a business in a single structured funding package and is supported by our in-depth industry expertise and an intimate understanding of the customer’s needs and objectives. Assets secured can include land and buildings, plant and machinery, in addition to the traditional loan collateral of stock (inventory), debtors (accounts receivable) and rental equipment

You will have the opportunity to build relationships internally and externally, to support customers in achieving their objectives and to contribute to key business projects. You will gather a good understanding of the business, as well as experience customers in the many different markets and industries we serve.

In this role, you will:

Develop full competency in the ABL Collateral and Loan Management System, as well as other relevant and related systems to help manage the overall credit related to the customer.
Working closely with Relationship Managers to deliver a high quality service to customers.
Training customers to use the online ABL interface, as well as any other reporting required from them.
Day to day customer contact to ensure the real assets of the customer are valid, accurate and can be reasonably included as collateral.
Review of information submitted by clients and reporting on trends in funded assets.
Close collaboration with the other team members and relationship managers.
Preparation of monthly reports and participation in portfolio meetings.
Communicate with Relationship Manager regarding any changes in the status of an account.
Prepare monthly statistics, as needed, including dilution, turnover days, payables summaries concentrations and reconciliations, and others as required.
Involvement in initial client set-ups.
On-going financial analysis, together with participation in credit modification requests and refinancing.
Credit risk ratings related to the financial performance and the collateral security.
Prepare information for risk policy documents including rating calculations and problem loan reports.
Prepare any necessary reports on participation or syndicated loans.
You will benefit from on the job training, learning through a training and development program, which includes e-learning and ongoing feedback from fellow team members and managers.

Required Qualifications, International:

Recent graduates with some previous work experience are eligible for this role that will start from August 2022.
Have achieved at least a 2:1 in a relevant academic discipline and have strong mathematical knowledge.
Wells Fargo may offer the option of studying towards ACCA/ CIMA qualifications outside of work
Wells Fargo does not offer UK sponsorship for this position, so full right to work in this country is a requirement

Desired Qualifications:

Job Expectations:

Self-motivated individuals with confidence, curiosity and enthusiasm will be preferred
Have strong interpersonal skills and the ability to communicate effectively with clients and colleagues alike
Possess excellent English written and verbal communication skills.
Be organised and capable of managing own time and workload efficiently
Aptitude to work effectively in a team environment where flexibility, collaboration and interpersonal communication skills are essential
Ability to interact with integrity, professionalism and strong work ethics; resilience, persuasiveness and customer focus are key
We Value Diversity

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.

Tagged as: Analysis, Consulting, Finance, Investment

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