Financial Analyst Program - Commercial Real Estate in San Francisco, California | DiversityInc Careers
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Financial Analyst Program - Commercial Real Estate

Job Description

At Wells Fargo, we have one goal: to satisfy our customers’ financial needs and help them achieve their dreams. We’re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you’ll feel valued and inspired to contribute your unique skills and experience.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Wholesale Banking provides financial solutions to businesses across the United States and globally.  Our 9 major business lines include Business Banking, Middle Market Banking, Government and Institutional Banking, Corporate Banking, Commercial Real Estate, Financial Institutions Group, Wells Fargo Commercial Capital, Wells Fargo Securities, and the Investment Portfolio. We also have groups in credit risk, group risk, finance, marketing, human relations, and the Wholesale Chief Operating Office that support our businesses.

Wholesale Commercial Real Estate (WCRE) operates throughout the United States, as well as Canada and the United Kingdom, 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.

Wells Fargo Financial Analyst Program - Commercial Real Estate (CRE)

The Financial Analyst Program is an early talent program that incorporates extensive training and coaching to help you build your analytical skills, master credit underwriting, and prepare you for a long term career at Wells Fargo.

Our relationship managers handle transactions of different sizes, financing various asset types and classes in locations nationwide. Commercial Real Estate is a cyclical business, and our wide range of services gives us the flexibility to help our clients through even the most difficult economic cycles. Your role as an analyst will be in one of the following real estate lending areas, and, in some instances, may be rotational in nature:

  • Real Estate Banking:  Provides on balance sheet loans to facilitate the construction, acquisition and repositioning of multi-family, office, industrial and retail properties, serving both regional and institutional private developers.
  • Community Lending and Investment:  Provides debt and equity capital for economic development, job creation, and affordable housing to our communities nationwide.


You will work closely with the relationship managers in your office to underwrite real estate and develop a deep understanding of market fundamentals and borrower’s balance sheet profiles. 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 and have the opportunity to assume a significant amount of responsibility that may include:

  • Assembling complex financial models that project the potential financial performance of an asset as well as underwriting risks associated with market demand, supply, net effective rents, expenses, capitalization rates, and tenant quality.
  • Researching specific real estate markets and assessing market data and trends affecting demand generators, risk presented by new supply, and comparable properties.
  • Identifying credit issues early in the underwriting process and recommending ways to reduce exposure.
  • Partnering with relationship managers to structure multi-million dollar transactions.
  • Reviewing and assisting in the development of loan agreements and ancillary documents related to the closing of a transaction
  • Participating in property tours and site visits to develop a deeper understanding of the viability of the real estate and the related transaction.
  • Working alongside relationship managers ensuring compliance with Wells Fargo’s “Know Your Customer” BSA/AML requirements
  • Engaging vendors to facilitate ordering and analyzing third-party reports, including appraisals, property condition reports, environmental reports, and costing analyses.
  • Preparing borrower/guarantor financial reviews as well as underwriting 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.


We focus on your training and development so you’ll be prepared to take your next career step once you complete the program. You’ll get:

  • On-the-job experience: Working as part of a high-performing team in your business group is how you will gain in-depth experience as a financial analyst. You will begin to build your analytical skills and understanding of credit by actively participating in your team’s day-to-day activities.
  • Credit fundamentals training: You will attend three in-person courses during the Financial Analyst Program to advance your credit underwriting proficiency.
  • Specialized training: Your line of business will offer specialized training to foster a deeper understanding of your business, and you’ll become familiar with financial, technical, and operational tools and processes to help you improve your credit underwriting/problem-solving skills.


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

  • 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.
  • 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.


For additional information about the Financial Analyst Program and the various businesses of Wells Fargo, please visit:

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 and if 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.

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

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

Other Desired Qualifications
  • Proven leadership, self-motivation and success through internships, part-time or full-time work, and/or extracurricular activities
  • Real Estate degree, coursework or experience

Street Address

CA-SF-Financial District: 420 Montgomery - San Francisco, CA


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.