上海招聘

职位描述：
About Wells Fargo
Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $2.0 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,500 locations, 13,000 ATMs, the internet (wellsfargo.com) and mobile banking, and has offices in 42 countries and territories to support customers who conduct business in the global economy. With approximately 273,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 25 on Fortune’s 2017 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy our customers’ financial needs and help them succeed financially. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.

Role Purpose
Underwriter will report directly to the China Underwriting Leader, Commercial Distribution Finance. The role will be responsible for risk assessing dealer opportunities and assessing the ongoing risk profile of existing dealer exposure and manage the approval process in accordance with internal policy and procedure.

Responsibilities:
Underwriting dealer opportunities assessing both the credit risk profile of potential customers and historic operational in-life performance where increases to existing facilities are requested.
Perform rigorous annual risk reviews of existing customers, incorporating credit risk assessment and in-life operational performance.
Lead the deal structuring discussions with Commercial and Capital Market Team based on risk profile of the customer and internal strike zone.
Liaise closely with cross-functional team members to ensure timely and thorough underwriting assessments.
Liaise with customers for due diligence.
Act timeously upon 3rd party information which could have an adverse impact upon the risk profile of existing customers.
Support the new business teams on customer visits where Risk presence is deemed appropriate due to the size or risk profile of particular deals.
Lead in preparation and presentation of formal credit approval request to requisite approval authorities as well as manage and administer the deal approval process.
Build awareness and experience of credit insurance as a key risk mitigants.

Requirements
More than 5 years of proven experience in Underwriting.
Strong teamwork values and strong work ethic and commitment.
Professional customer, associate and colleague relationship skills.
Multi-skilled and versatile with ability to manage multiple tasks.
Ability to work proactively to solve problems and work independently.
Able to work under tight schedules to a high quality and consistently meet objectives.
Fluency in English written and oral communication skills.
Proficient in MS Office Suite (Word, Excel, PowerPoint) programs.
Readily able to adapt to using business tools to support role e.g. Salesforce.com, Business Objects, AIMS, PCS.
Understand products and services offered.
Work within the framework of company regulations e.g. data protection, ensuring compliance at all times.
Ability to stay abreast of market and portfolio trends and industry best practices.
 
Desired Skills:
Underwriting experience in a leasing or financial services environment.
Bachelor’s degree, preferably in Finance, Accounting or Business.


Team members 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. 举报 分享

About Wells Fargo
Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $2.0 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,500 locations, 13,000 ATMs, the internet (wellsfargo.com) and mobile banking, and has offices in 42 countries and territories to support customers who conduct business in the global economy. With approximately 273,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 25 on Fortune’s 2017 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy our customers’ financial needs and help them succeed financially. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.
Wells Fargo Commercial Distribution Finance (CDF) is the trade name for certain commercial distribution and inventory financing services of Wells Fargo & Company (WFC) and its subsidiaries including Wells Fargo International Finance, LLC (WFIF) (collectively, CDF). WFIF is a subsidiary of WFC.

Established in 2012, Wells Fargo CDF Commercial Factoring Co., Ltd., the wholly owned enterprise of Wells Fargo Group, is the first commercial factoring company registered in Tianjin since the approval of factoring pilot zone in the city. Leveraging Wells Fargo’s expertise around the globe, also in conjunction with our understanding and dedication towards factoring industry development in China, we are committed to provide the best commercial distribution finance services to serve customer’s growth needs in China.
In partnership with Wells Fargo CDF, vendor clients can reduce DSO, minimize credit loss exposure, reduce collection resources and increase sales. Our support of the vendor clients provides significant credit and liquidity benefits to their dealer channels allowing the dealers to drive sales growth & enhance cash flow by minimizing inventory investments.
CDF provides its customers services and values beyond financing: it brings committed and knowledgeable relationship management, deep industry knowledge/expertise and best practices. Especially the best practices in fields like growth and operating efficiency, industry trends and leadership and people. Customers can not only get financing programs that suit their needs for business growth, but also series of services that are in favor of their long-term development.

Disclaimer
Wells Fargo CDF Commercial Factoring (China) Company Limited, a company duly established in the People’s Republic of China, is a subsidiary of Wells Fargo & Company. Wells Fargo CDF Commercial Factoring (China) Company Limited is not licensed or regulated by the China Banking Regulatory Commission (CBRC) as a commercial bank in the People’s Republic of China.
富国商通融商业保理有限责任公司是富国集团公司的附属公司，依法正式成立于中华人民共和国。其在中国內並非商业银行因而不受中国银行业监督管理委员会（银监会）的执照影响或监管。