Credit Portfolio Consultant

About this role: Wells Fargo is seeking a Credit Portfolio Consultant. In this role, you will: 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. Strong 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