Wells Fargo Financial Analyst Program -Middle Market Banking Development Program

One Wells Fargo | Charlotte, NC

Posted Date 10/12/2017

Wells Fargo Financial Analyst Program - Middle Market Banking Development Program


Wells Fargo’s Middle Market Banking Group offers a two-stage program suited to individuals that possess strong interpersonal, communication, and analytical abilities. The program incorporates both formal and on-the-job training to help you develop the skills required to successfully build and manage client relationships.

Our clients are typically mid-sized companies that have annual revenues from $20 million up to $1 billion.  We serve companies from virtually every industry, including manufacturers, retailers, distributors, importers and service companies. We also have specialized teams with expertise in the beverage, food and agribusiness, technology, and waste and recycling industries as well as in heavy equipment dealers and investor real estate.

Middle Market Banking is Wells Fargo’s largest relationship business, with more than 120 Regional Commercial Banking Offices (RCBOs) nationwide.  We enjoy the largest market share of middle-market relationships among our national competitors.

Your Role as a Middle Market Banking Financial Analyst

  • Evaluate the strengths and weaknesses of a company’s business, industry, management team, financial condition and performance
  • Conduct in-depth industry research to identify key drivers, challenges, and trends that are most relevant to a company
  • Engage in creative thinking, situational assessment, and idea generation to prepare discussion materials that focus on issues impacting the company and prepare for client dialogue
  • Understand client needs and identify other Wells Fargo products and services that can help clients achieve their goals
  • Resolve client service needs and provide ongoing support for your team, including the evaluation of client financial performance and how this may change overall risk management and monitoring
  • Prepare underwriting memorandums outlining recommendations that meet borrower needs while minimizing repayment risk to the Bank
  • Understand and review legal documentation that outlines the terms and conditions of approved loans

Middle Market Banking Financial Analyst Program

First Stage

Initially, you will start in one of eight regional training locations in Charlotte, NC; Chicago, IL; Dallas, TX; Los Angeles, CA; Minneapolis, MN; San Francisco, CA.  During this stage of your development, you will receive both formal and on the job training from our Credit Services Group. Upon successful completion of this stage (typically within one year), you will transition to an RCBO.  The location of the RCBO may be determined during the offer process or subsequent to starting in your training location.  Offers can be either for a specific metropolitan area or a specific RCBO.

 Second Stage

Upon your transition to an RCBO, you will work alongside experienced middle market bankers to further develop your analytical, underwriting, sales and relationship management skills by actively participating in your team’s day-to-day client activities.


Financial analysts who successfully complete the program are on their way to a long-term career. The program is ideal for preparing you for the following paths: 

  • Relationship Manager: Manage client relationships by working with a company’s business principals to understand their short and long-term needs and to structure the financing and banking products that help them achieve their goals.
  • Portfolio Manager: Support the underwriting and management of a loan portfolio for an office.
  • Credit Management Training Program (CMTP): A select number of high-performing graduates from the Financial Analyst Program are nominated for this intensive credit training program. CMTP is a four month classroom-based program that builds on the fundamental credit training you receive in the Financial Analyst Program. Using case studies and real-life scenarios, CMTP covers the ways that our lending groups approach credit underwriting and risk management.


Required Qualifications

1+ year of experience in one or a combination of the following: financial analysis, credit analysis, statistical analysis, or statement spreading; or a BS/BA degree or higher granted prior to hire date


Desired Qualifications

  • 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
  • Proven leadership, self-motivation and success through internships, part-time or full-time work, and/or extracurricular activities
  • Bachelor's Degree with an expected graduation date in December 2017 or May/June 2018



How to Apply:

Apply on BisonCareer Link

Requistion #5329204


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.


Wells Fargo will not sponsor visas for these positions, and will not hire individuals whose work eligibility is based on their F-1 or other student visa status. Candidates must be authorized to work in the United States on a permanent basis.


Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/ Gender Identity/Sexual Orientation.

Undergrad | Internship

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