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.

This role reports to the CDF China Risk Leader and will be responsible for:
Large Value Deal Underwriter & Portfolio Manager
? Responsible for underwriting and performing periodic reviews and in life portfolio risk management of a portfolio of high value transactions.
? Structure deals and document to required levels befitting the size and nature of the risk exposure, clear documentation of the assessment of the Company, transaction overview and key risks and mitigants supported by quantitative and qualitative analysis.
? Frequent customer visits and interactions to gain insights of any internal changes that would impact the credit profiles and to be the resident expert on the large value transaction portfolio.
? Working closely with Commercial for any change requests on large value transactions.
? Oversight responsibility for all “Deal Closing” procedures incl. legal & regulatory filings, meeting & tracking conditions.

Credit Approval Activity
? Responsible for presenting Annual Reviews, New Business Opportunities / Material Change Requests, Watch List reviews and Quarterly and ad-hoc portfolio updates to Senior Credit Executives outside of China.
? Setting & maintaining a high standard of preparation & presentation of formal credit approval requests (“DRM”) as well as manage & administer the overall deal approval process .
? Ensure key risks are understood and documented, adherence and compliance to policies and appropriate analysis of financial and collateral data as well as qualitative information to support the transaction.
? Ensure transactions are underwritten and structured in accord with risk appetite, including aggregation risks of individual names, country risk exposure and counter party risk exposure.
? Ensure new credit/credit amendment /periodic review transactions are submitted in a timely manner to allow adequate analysis and discussion, ensure appropriate visibility and monitoring of due dates of review. Create and own pipeline to monitor and oversee activity on large value deal activity.
 
Managing the investor/participation risks associated to the Large Value transactions
? Work closely with Capital Markets team to ensure pre and post-closing risk participations are properly assessed and executed.
? Support Capital markets team on assessing and managing participant bank risks.
 
Support Head of Risk China on mentoring and training Jr. staff and back up as deputy Head
? Provide mentoring and training to less experienced underwriters and account managers
? Participate in Account Management and Field Service review sessions to understand the process and results of flow business and overall portfolio of CDF China
? Provide leadership support to the underwriting, account management and field service teams in absence of the respective team leaders
? Responsible for mentoring and development of assigned Jr. staff

Market Skills and Certifications
Attributes:
? External Focus: Defines success through the customer’s eyes; is in tune with industry dynamics, identifies underlying trends.
? Clear Thinker: Seeks simple solutions to complex problems, decisive; focus, communicates clear and consistent priorities.
? Imagination: Generates new and creative ideas, is open to change; resourceful, displays courage and tenacity.
? Inclusiveness: Engages in teamwork, respects others’ ideas and contributions; creates excitement and drives engagement.
? Expertise: In-depth domain knowledge, credibility built from experience; continuously develops oneself, enjoys learning.
 
Degree-educated, ideally with a qualification in business finance or economics.

Desired:
? Experienced Individual within a secured Asset Finance, financial services business, CDF experience preferred but not prerequisite.
? Track record of managing, reviewing and approving large value transactions in accordance with risk appetite and policies.
? Ability to pitch large complex transactions to senior stakeholders cross LOB and wider Wells Fargo Organisation
? Strong analytical and presentation skills
? Strong interpersonal and communication skills
? Strong personality with ability to work both independently or through building strong partnerships, cross functionally specifically working with Commercial, Risk, Capital Markets and Operations - break down silos, create one team solution.
? Highly organised and evidences good project management skills.
? Ability to think clearly whilst under pressure, using strong negotiating and influencing skills in order to deliver responsibilities of the roles across teams with competing priorities.
? Fluent in speaking, reading and writing English and Mandarin.


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.

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。