Financial Analyst 2 - REIT Finance Group

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Corporate & Investment Banking delivers a comprehensive suite of capital markets, banking, and financial products and services. A trusted partner to our clients, we provide corporate and transactional banking; commercial real estate lending and servicing; investment banking; equity; and fixed income solutions including sales, trading, and research capabilities to corporate, commercial real estate, government, and institutional clients across the globe.

Commercial Real Estate (CRE) is part of Corporate and Investment Banking (CIB), one of five CEO-led businesses for Wells Fargo. CRE operates globally to deliver a comprehensive platform of financing and banking products for experienced commercial real estate companies including balance sheet lending, CMBS origination and distribution, loan servicing, agency financing for multifamily properties, and debt and equity capital for affordable housing. In addition to being the #1 CRE lender in the U.S., Wells Fargo CRE has also earned other notable accolades, including being the #1 Affordable Housing Lender and the #1 Commercial Mortgage Servicer.

REIT Finance Group (RFG) Delivers corporate banking products and services to public and private Real Estate Investment Trusts (REITs) and Public Homebuilders including corporate-level lending, asset-level lending and capital structure advisory.

We are searching for a Wholesale Credit Program Analyst 2 to join our Real Estate Investment Trusts (REIT) team in Charlotte, North Carolina.

YOUR ROLE AS A COMMERCIAL REAL ESTATE FINANCIAL ANALYST IN THE REIT FINANCE GROUP:
You will work closely with the relationship managers in your office on a recurring basis to underwrite REITs at the corporate level through analysis of the borrower’s balance sheet and cash flows and develop a deep understanding of REIT portfolio fundamentals. You will also assist relationship managers as they meet with their clients on a regular basis to ensure we continue to meet their needs and to identify future opportunities. You will become an integral part of your office’s team

Responsibilities for this position include, but are not limited to:

• Assembling complex financial models that project the potential financial performance of a REIT as well as underwriting risks associated with market and industry demand, supply, expenses, capitalization rates, and tenant quality.
• Preparing borrower/guarantor financial reviews as well as writing memorandums focused on a borrower’s and guarantor’s adjusted net worth, leverage, liquidity, and other key risk factors, including cash flows and ability to service debt.
• Identifying credit issues early in the underwriting process and recommending ways to reduce exposure.
• Partnering with relationship managers to structure multi-million & billion dollar transactions.
• Reviewing and assisting in the development of loan agreements and ancillary documents related to the closing of a transaction.
• Working alongside relationship managers ensuring compliance with Wells Fargo’s “Know Your Customer” BSA/AML requirements.

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.
 

• 2+ years of experience in one or a combination of the following: financial analysis, credit analysis, statistical analysis, or statement spreading; or 1+ year in Financial Analyst Program (FAP) 1 job

• Intermediate Microsoft Office skills
• Strong analytical skills with high attention to detail and accuracy
• Excellent verbal, written, and interpersonal communication skills
• High level of initiative and accountability
• Effective organizational, multi tasking, and prioritizing skills
• Ability to work in a fast-paced deadline driven environment
• Solid problem solving and decision making skills

Commercial underwriting experience
Knowledge and understanding of real estate or commercial loans
 

NC-Charlotte: 550 S Tryon St - Charlotte, NC

• All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.
  
  Relevant military experience is considered for veterans and transitioning service men and women.
  Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Benefits
 

Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.